# CONCORDIA

CONCORDIA is an Insurance based in Concord, Switzerland.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Concord, Switzerland
- **Region:** Europe
- **Address:** Lucerne, Switzerland
- **Founded:** 2013
- **Assets under management:** Undisclosed
- **Website:** concordia.ch
- **LinkedIn:** https://www.linkedin.com/company/concordia

## About

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.

## 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.

### 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.

## Related profiles

- [Concord Wealth Partners](https://altss.com/profile/concord-wealth-partners-cwp)
- [Concordia Oeco](https://altss.com/profile/concordia-oeco-lebensversicherung)

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/concordia

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