Vita Classic

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.


  • 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

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.

Affiliation in
Total interest earned in % 2015 2016 2017 2018 2019 2020*
 BVG mandatory retirement savings 1.50 1.40
 Super-mandatory retirement savings 1.50 1.40
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 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

Assets in CHF billion
Coverage ratio II
Investment Performance


Investment strategy Top 10 equities Top 10 bonds

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

What might also interest you

Vita Invest

For companies that want to participate in pension investment decisions.

Vita Plus

For companies that would like to better insure senior staff.

Vita Select

For companies that wish to allow their senior staff to determine their investment strategy themselves

Compare and inform

Is Vita the better choice?

Compare offers – in the interest of your employees

Pension provision: Technical terms explained simply

You can find a compact explanation of the most important terms concerning your pension provision here.

Staff orientation with Vita Mobile

We will inform your employees about everything related to the occupational pension plan.

We would be happy to advise you