Fondation Collective Groupe Mutuel

Groupe Mutuel has been active in pension provision since 1985 and continues to be a leader in this field. On 1 January 2024, Groupe Mutuel Prévoyance-GMP will be transformed into a collective foundation and become Fondation Collective Groupe Mutuel. Employers and employees affiliated to GMP at 31 December 2023 are now all part of the GMP joint pension fund, an entity of Fondation Collective Groupe Mutuel.

Within GMP, close to 3,000 affiliated companies have entrusted us with the occupational pension provision of their employees, that is close to 30,000 insured employees or pensioners. The foundation receives more than CHF 200 million in annual contributions, and its balance sheet total is close to CHF 3 billion.

Find out more about the GMP joint pension fund on this page!

Coverage ratio as at 31.05.2024

Coverage ratio as at 31.05.2024

Investment performance as at 31.05.2024

Investment performance as at 31.05.2024

Return on assets for 2024

Return on assets for 2024

Average interest over 10 years

Average interest over 10 years


Key advantages

Groupe Mutuel Prévoyance-GMP is a joint pension fund:

Cautious and responsible

  • A sustainable and sound capital management policy
  • Rigorous selection of investment vehicles
  • ESG (environment, social and governance) factors applied to all investment activity
  • Regular assessments with "light green" or A ratings
  • Above average performance

Attentive to your needs

  • Personalised management
  • A dedicated account manager
  • Stable and competent staff: occupational pension specialists with extensive experience in the field


  • Competitive and stable pricing of risk premiums and expenses
  • A healthy distribution of insured persons: a high proportion of active employees compared to retirees
  • Technical parameters in line with the economic reality: LPP/BVG 2020 periodic tables with a technical rate of 2.0%
  • Careful management of financial resources
Ownership of insured persons

Ownership of insured persons


Gains are paid out in the form of interest on insured persons' retirement assets.

No shareholder receives dividends or has an influence on decisions.

Sustainable and responsible investment policy

  • Monitoring by an independent external company (annual review of shares held): no major controversies found in 2022.
  • Main improvements noted in 2022:
    • The overall rating is “green” (A on a scale of A+ to D). GMP is better ranked than its benchmark, rated at B+.
    • GMP's carbon footprint has further improved, with emissions reduced by 16% compared to 2021, which brings the total reduction to 50% since 2020. GMP's carbon footprint has a better rating than its benchmark, with a gap of 42% compared to the benchmark.
    • Exposure to fossil fuels has decreased by 19% in 2022 to 1.3% of the portfolio. 50% of this exposure is classified as "in transition", meaning that the companies concerned have set and agreed emission reduction targets.
    • The real estate segment has been included in the ESG Charter since 2022.
  • Partnerships:
    • Voting rights at companies' general meetings: application of the Ethos Foundation recommendations for Swiss shares
    • Commitments to foreign companies: cooperation with the ISS Engagement Pool to influence the climate policy of certain companies
    • Quarterly portfolio monitoring: partnership with the company Canopia to monitor GMP's ESG criteria
    • Real estate: partnership with the company Signaterre to take into account the quality of the buildings held by GMP and to plan the necessary energy renovations

True to our values


  • A wide range of pension plans
  • Adapted payment terms without additional costs
  • No interest on arrears within the agreed timeframe
  • A choice of salary reporting methods without additional costs


  • No hidden or separately charged fees
  • No fees for managing pension beneficiaries or pension activities
  • No termination fees at the end of the contract
  • A comprehensive annual management report
  • A summary of key figures for the year
  • A detailed presentation of the investment performance upon request


  • Takes into account current lifestyles
  • Benefits in the event of death extended to common-law partners, also after retirement age
  • Designation of beneficiaries and distribution of lump-sum capital upon death
  • Separate management of repurchases with repayment in the event of death

Discover our pension solutions

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Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111