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CONCORDIA
CONCORDIA is an SEC-registered investment adviser in Concord, MA, registered since 2013. The firm manages $197 million in assets, $186 million on a...
CONCORDIA
CONCORDIA is an SEC-registered investment adviser in Concord, MA, registered since 2013. The firm manages $197 million in assets, $186 million on a discretionary basis. It has 4 employees and 2 investment advisers.
General information
Firm type
Insurance
Year founded
2013
Location
Region
Europe
Country
Switzerland
City
Concord
Corporate office
Lucerne, Switzerland
Frequently asked questions
How does Concordia's mutual structure affect its investment approach?
As a mutual insurer, Concordia has no external shareholders. Investment returns after claims and reserves either strengthen the solvency buffer or reduce premium adjustments for policyholders. This eliminates the equity-return-maximization pressure that stock-listed insurers face, allowing a conservative, liability-matched portfolio focused on Swiss franc fixed income.
What asset classes dominate Concordia's investment portfolio?
The portfolio is predominantly Swiss franc-denominated bonds — government and high-grade corporate — reflecting Swiss insurance regulation and the need to duration-match healthcare claims. Smaller allocations exist in real estate and equities, within the limits set by the Swiss Financial Market Supervisory Authority (FINMA) under Solvency II-equivalent rules.
Is Concordia a single-family office or does it manage third-party capital?
Concordia is neither a family office nor an asset manager. It is a regulated Swiss health and accident insurer whose investment capital derives entirely from policyholder premiums. The firm does not offer investment products to external allocators.
Does Concordia make direct private equity or venture capital investments?
Like most Swiss health insurers, Concordia's private-market exposure is limited and typically accessed through fund structures rather than direct deals. Publicly available information on specific PE or VC commitments is minimal; the portfolio is overwhelmingly public fixed-income and listed equity.
How is Concordia related to the Concordia Foundation?
The Concordia Foundation is a legally separate entity funded by the insurer to provide premium reductions for low-income policyholders. It does not commingle assets with the insurance investment portfolio and operates as a social-support vehicle rather than an investment entity.
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