The Vita Collective Foundation achieved a provisional net performance of 6.4 percent in 2025. The largest contribution to returns was made by the equities and real estate Switzerland. The strategic foreign currency hedging proved its worth and helped to contain the high exchange rate losses in the international investment categories.
The Vita Collective Foundation relies on a broadly diversified investment strategy, geared towards long-term stability. It regularly reviews its strategic asset allocation and adjusts it if necessary. In 2026, it will increase the proportion of foreign equities and reduce bonds in foreign currencies.
The investment performance had a positive effect on the coverage ratio. This rose from 111.6 percent at the end of 2024 to a provisional 115 percent as at December 31, 2025. "Our value fluctuation reserves have therefore been fully built up," says Rolf Wehrli, Managing Director of the Vita Collective Foundation since the beginning of the year. "This will enable us to pay interest of up to 4 percent on retirement assets in 2026." The Vita Collective Foundation will announce the interest rate for the last time in advance – from 2027 it will be set at the end of each year.