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.


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.

Coverage ratio & performance

Development of the key figures Chart - Coverage ratio I vs. Coverage ratio II

Technical interest rate

  2016 2017 2018 2019 2020
Technical interest rate in % 2.50 2.00 2.00 1.75 n.a.
The technical basis of the BVG 2015 generation tables are used.
Stacked coins increase

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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The Vita Joint Foundation at a glance

Key data in brief

Vita Classic

For companies that assume responsibility, and all those who consider flexible and needs-based retirement provision important.

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