Vita Classic

For companies that value attractive interest rates in their pension provision

With Vita Classic we offer sustainable occupational pension solutions that you can be flexibly adapted to your needs. Your pension contributions can earn attractive interest thanks to the Vita Classic pension model. This pension model is based on a proven, broadly diversified investment strategy. Trust in Vita Classic's long term experience and the combined expertise of the Vita collective foundation and Zurich Insurance.

Advantages

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

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This is how Vita Classic works

In the case of Vita Classic, the pension capital is managed by the Vita Joint Foundation. This means that the investment income benefits the employees of the affiliated companies in the form of attractive interest earned. In addition, each affiliated company has a say in the governance of Vita Classic. The administration committee can nominate candidates for the foundation board as employees' or employers' representatives.

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.

Total interest earned in %		2015	2016	2017	2018	2019	2020*
		Affiliation in
2020	BVG mandatory retirement savings	1.50	1.40	1.40	1.00	1.00	1.00
2020	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	-
2019	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	-	-
2018	Super-mandatory retirement savings	3.15	2.15	2.15	1.75	-	-
2017	BVG mandatory retirement savings	2.00	1.00	1.00	-	-	-
2017	Super-mandatory retirement savings	2.50	1.50	1.50	-	-	-
2016	BVG mandatory retirement savings	2.25	1.25	-	-	-	-
2016	Super-mandatory retirement savings	3.00	2.00	-	-	-	-
2015	BVG mandatory retirement savings	2.65	-	-	-	-	-
2015	Super-mandatory retirement savings	3.40	-	-	-	-	-
* New customers with contracts starting in 2020 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
BVG minimum interest rate in %	1.75	1.25	1.00	1.00	1.00	1.00

Coverage ratio & performance

16.3

Assets in CHF billion

31.12.2019

102.7%

Coverage ratio II

30.06.2020

-0.99%

Investment Performance

30.06.2020

History & comparison

Investments

Investment strategy Top 10 equities

Ten largest positions, equities	CHF million	in % of equities	in % of portfolio
Nestlé SA	208.9	4.80	1.32
Roche Holding AG	153.0	3.52	0.98
Novartis AG	141.7	3.26	0.90
Apple Inc.	104.2	2.40	0.67
Microsoft Corp	90.2	2.07	0.58
Amazon.com Inc.	79.8	1.83	0.51
Alphabet Inc.	60.9	1.40	0.39
Facebook Inc.	41.5	0.95	0.27
NVIDIA Corp	38.8	0.89	0.25
Home Depot Inc.	37.8	0.87	0.24
As of: 06/30/2020

Top 10 bonds

Ten largest positions, bonds	CHF million	in % of bonds	in % of portfolio
United States of America	565.9	11.29	3.61
French Republic	153.0	3.05	0.98
Pfandbriefbank schweizerischer Hypothekarinstitute	152.6	3.04	0.97
Swiss Confederation	122.8	2.45	0.78
Pfandbriefzentrale der schweizerischen Kantonalbanken AG	107.1	2.14	0.68
Federal Republic of Germany	69.0	1.38	0.44
Kingdom of Spain	67.8	1.35	0.43
Citigroup Inc.	43.9	0.87	0.28
Crédit Agricole SA	40.6	0.81	0.26
AT&T Inc.	38.6	0.77	0.25
As of: 06/30/2020

Exercising of shareholder voting rights

Shareholder voting rights in exchange-traded domestic and foreign companies are exercised by the Zurich Investment Foundation. The Vita Joint Foundation invests exclusively in equity categories utilized by the Zurich Investment Foundation.

The Foundation Board

The board of trustees is the supreme management body of the Vita Collective Foundation and is responsible, among other things, for the investments.

Further information about the foundation board

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Vita Classic

For companies that value attractive interest rates in their pension provision

Advantages

This is how Vita Classic works

Interest earned on retirement savings capital

Minimum statutory interest rate

Coverage ratio & performance

Investments

Investment strategy

Exercising of shareholder voting rights

The Foundation Board

Downloads

Downloads

What might also interest you

Vita Invest

Vita Plus

Vita Select

Compare and inform

Is Vita the better choice?

Pension provision: Technical terms explained simply

Staff orientation with Vita Mobile

We would be happy to advise you

Call us

Write to us

Find us