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 widely diversified investment strategy
- Direct, balanced participation in investment income
- Base interest and any additional interest are communicated in the previous year.
More in detail
With its Vita Classic product, the Vita Collective 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.
The Vita Classic retirement provision model is characterised by the direct and balanced participation of the insured in the investment income. This benefits them in the form of additional interest calculated according to a transparent mechanism.
The retirement provision model is explained in the brochure "Key facts at a glance" and and in the fact sheet “Vita Classic retirement provision model”.
Interest earned on retirement savings capital
The overall interest earned in the case of the Vita Classic retirement provision model consists of a base interest rate and a share in the maximum additional interest. The base interest corresponds to the legally determined minimum interest. If the coverage ratio amounts to at least 102% on the effective date at the end of November, additional interest is paid.
The share in the maximum additional interests is dependent on how long the company has been affiliated with the Vita Collective Foundation. Thanks to the high investment income in past years, customers of the Vita Collective Foundation have benefited from total interest earned that is higher than average.
Total interest according to new model
Total interest according to old model
| Retirement provision affiliation annually | ||||||||
| Interest | 2020 or earlier* | 2021 | 2022 | |||||
|---|---|---|---|---|---|---|---|---|
| 2022 | Total interest earned | 2.50% | 1.70% | 1.00% | ||||
| Base interest | 1.00% | 1.00% | 1.00% | |||||
| Additional interest | 1.50% | 0.70% | 0.00% | |||||
| * Customers with contracts commencing before 01.01.2018 will receive the last interest tranche of 0.40% from the previous pension model and thus a total interest rate of 2.90%. | ||||||||
| 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 |
| 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 |