Newsletter LINKS – May/June 2025

Adapting to a changing environment

Dear affiliated companies and partners,

In this spring edition of our newsletter, we offer an overview of our latest news: audited 2024 results, digital innovations, the evolving financial context, and the growing success of the Patrimonia Academy.

We are also pleased to invite you to our annual account presentation event – a special opportunity for exchange and transparency. Discover our latest developments and projects, as we continue building a stronger, more human, and forward-looking pension system together.

For several months now, occupational pensions have been at the heart of public debate. The rapid changes in our demographic and economic environment serve as a daily reminder of the importance of building a modern, resilient, and responsible pension model. At Patrimonia, we are committed to anticipating these tranformations, while remaining true to our mission: to sustainably protect your interests.

The ongoing second-pillar reforms – notably the increasing governance requirements – highlight the need for both rigorous and agile management. Patrimonia is strengthening its governance and adjusting its practices to better safeguard your assets and respond to a society in transformation.

Two innovations to simplify your daily life

This year, two major innovations are being launched to make your administrative tasks easier:

• Online purchase: You can now make the purchase of insurance years at the frequency of your choice, including monthly, directly via our secure platform. Greater flexibility to build your pension plan at your own pace.
• Automation of changes: Member registrations and exits, as well as your contribution list, are now automated. This saves valuable time and ensures increased reliability.

A demanding financial context

The start of 2025 has been marked by high volatility on financial markets, mainly driven by ongoing trade tensions between the US and China. In this environment, Patrimonia remains faithful to its prudent and diversified investment strategy, aiming to preserve your assets and ensure long-term sustainable growth.

Our audited 2024 accounts confirm the strength of our model:

• Net portfolio return of +7.47%;
• Coverage ratio of 105.2% after distribution;
• 6% increase in active insured members;
• 8% increase in affiliated companies;
• A favourable demographic ratio with 1 retiree per 10 actives.

These results reflect the robustness of our management and the increasing trust you place in us.

Patrimonia Academy: a growing success

We are pleased to see the growing enthusiasm around the Patrimonia Academy. Through our training and exchange sessions, we have been able to answer your practical questions, share our expertise, and strengthen the trust that is central to our mission.

Thanks to our ongoing commitment, we are delighted with the success of the Patrimonia Academy. Created to support your understanding of occupational pension issues, it has become a key meeting point between our teams, our partners, and our affiliated companies. Training sessions continue to meet your real-world expectations.

Now more than ever, let’s move forward together!

Innovation, transparency, and commitment will once again guide every step we take this year. Your trust is precious. It drives and inspires us. Thank you for being part of this journey. Together, let’s build a strong, human, and future-oriented pension system.

My thanks and appreciation,

Sylvie Jaton, Managing Director