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.
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. |
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 |
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.
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.