Vita Classic - Monthly development coverage ratio and performance

Vita Classic

Coverage ratio and performance

Information on the coverage ratio and on the investment performance of the Vita Joint Foundation at a glance.

Coverage ratio

The coverage ratio is a key figure which places the pension assets in relation to the obligations. The Vita Joint Foundation sets out two coverage ratio values based on its Vita Classic pension planning model.

The most significant value for comparison is the higher of the two (coverage ratio II). Coverage ratio I takes into account the special characteristics of the Vita Classic pension planning model. The interest rate model allows for the insured to be guaranteed a base interest for the following year depending on the level of the coverage ratio on October 31 (cut-off date). If the coverage ratio exceeds the target coverage ratio of 106% by the cut-off date, an interest reserve will be formed from the current investment year. The corresponding interest pot is forwarded to the insured, distributed over five years, in the form of additional interest.

Performance

The investment strategy of the Vita Joint Foundation is very diverse and aims to generate a return over the longest possible term. Hedging instruments provide the necessary stability for this.

Development of the key figures

Coverage Ratio Component

¹ Coverage ratio audited by the auditors.

Purchase in the pension fund

You can make up missing BVG contribution years through voluntary purchases in the pension fund. This way, you can improve your retirement pension and reduce your tax burden at the same time.

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For companies that attach importance to earning attractive interest through their pension plan.

Staff orientation with Vita Mobile

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

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