Your occupational retirement provision - as flexible as your needs
With Vita Classic, affiliated companies can flexibly structure risk benefits and savings credits and adapt them to the situation in the company at any time.
Vita Classic
Why Vita Classic?
- Stable returns thanks to a proven and broadly diversified investment strategy
- Clear participation of policyholders in the investment success
- Fair distribution of investment income
- Interest rate reserve for weak investment years
- Base interest rate and possible additional interest known in advance
More in detail
With its Vita Classic product, the Vita Joint Foundation stands for a balanced occupational retirement provision.
Active and retired persons as well as new and existing contracts receive a balanced share of the investment income.
Adapt your occupational retirement provision flexibly to your needs and take advantage of the option to choose how much you save.
Make provisions for your old age today.
Active and retired persons as well as new and existing contracts receive a balanced share of the investment income.
Adapt your occupational retirement provision flexibly to your needs and take advantage of the option to choose how much you save.
Make provisions for your old age today.
Transparent participation model
The Vita Classic retirement provision model is characterized by a balanced participation in the investment income, which benefits you and your employees directly in the form of interest. This causes the retirement savings capital to grow at an above-average rate, which leads to higher retirement assets. The amount of the interest benefit depends on the time of affiliation with the Vita Joint Foundation. So this income benefits customers who have contributed towards the positive development with their pension assets.
Interest earned on retirement savings capital
The total interest earned under the Vita Classic pension planning model consists of base interest and any additional interest. Thanks to the high investment income in past years, customers of the Vita Joint Foundation have benefited from total interest earned that is higher than average.
| Affiliation in | ||||||||
| Total interest earned in % | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021* | |
|---|---|---|---|---|---|---|---|---|
| 2021 |
BVG mandatory retirement savings | 1.40 | 1.40 | 1.40 | 1.00 | 1.00 | 1.00 | 1.00 |
| Super-mandatory retirement savings | 1.40 | 1.40 | 1.40 | 1.00 | 1.00 | 1.00 | 1.00 | |
| 2020 |
BVG mandatory retirement savings | 1.50 | 1.40 | 1.40 | 1.00 | 1.00 | 1.00 | - |
| Super-mandatory retirement savings | 1.50 | 1.40 | 1.40 | 1.00 | 1.00 | 1.00 | - | |
| 2019- | BVG mandatory retirement savings | 2.40 | 1.40 | 1.40 | 1.00 | 1.00 | - | - |
| Super-mandatory retirement savings | 2.65 | 1.65 | 1.65 | 1.25 | 1.25 | - | - | |
| 2018 | BVG mandatory retirement savings | 2.40 | 1.40 | 1.40 | 1.00 | - | - | - |
| Super-mandatory retirement savings | 3.15 | 2.15 | 2.15 | 1.75 | - | - | - | |
| 2017 | BVG mandatory retirement savings | 2.00 | 1.00 | 1.00 | - | - | - | - |
| Super-mandatory retirement savings | 2.50 | 1.50 | 1.50 | - | - | - | - | |
| 2016 | BVG mandatory retirement savings | 2.25 | 1.25 | - | - | - | - | - |
| Super-mandatory retirement savings | 3.00 | 2.00 | - | - | - | - | - | |
| 2015 | BVG mandatory retirement savings | 2.65 | - | - | - | - | - | - |
| Super-mandatory retirement savings | 3.40 | - | - | - | - | - | - | |
| * New customers with contracts starting in 2021 earn interest at a base rate of 1.00% on mandatory contributions and 1.00% on voluntary contributions. | ||||||||
Minimum statutory interest rate
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | |
|---|---|---|---|---|---|---|---|
| BVG minimum interest rate in % | 1.75 | 1.25 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
Actively shaping the future together
Every affiliated company has the opportunity to actively shape the future of the Vita Joint Foundation. The fund managers of the affiliated companies can nominate candidates as employees’ or employers' representatives for the foundation board.
Responsible partner
As one of the largest joint foundations in Switzerland, we are laying the foundations for a balanced retirement provision for all generations with foresight and responsible decisions.
- Balanced participation model
- Sustainable investment policy and investment projects such as housing for the elderly
- Transparent governance