Vita Classic

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Vita Classic

For companies that consider flexible and needs-based retirement provision important.

Your occupational retirement provision - as flexible as your needs

With Vita Classic, affiliated companies can flexibly structure risk benefits and savings credits and adapt them to the situation in the company at any time. As an affiliated company, you can flexibly structure the risk benefits and savings credits and adapt them to the situation in your company at any time.

Why Vita Classic?

  • Direct, balanced participation in investment income
  • Base interest and any additional interest are communicated in the previous year
  • Stable returns, thanks to a proven and widely diversified investment strategy
  • ESG sustainability criteria taken into account in all investment classes
  • ISAE 3402 Type II certification for customer service
  • digital tool for the administration of employee benefits
Transparentes Beteiligungsmodell

Transparent participation model

The investment income benefits you and your employees directly in the form of interest.

Anlagen & Anlagestrategie

Investments & investment strategy

We offer you the highest possible stability and security and are completely committed to sustainability.

Nachhaltige Investitionen

Responsible partner

With foresight and responsible decisions, we lay the foundations for a balanced retirement provision for all generations.

Transparent participation model

Transparent and fair participation model

The Vita Classic retirement provision model is characterised by the direct and balanced participation of the insured in the investment income. This benefits them in the form of additional interest calculated according to a transparent mechanism.

The retirement provision model is explained in the brochure "Key facts at a glance".

Interest earned on retirement savings capital

The overall interest earned in the case of the Vita Classic retirement provision model consists of a base interest rate and an additional interest. The base interest corresponds to the legally determined minimum interest. If the coverage ratio amounts to at least 103% on the effective date at the end of November, additional interest is paid.

From 2024 – for the definition of the 2025 interest rate – the following applies: All affiliations will now receive the full additional interest in their second affiliation year in accordance with the interest table. In the year of affiliation, the entire retirement assets – provided a coverage ratio of over 100% – earn interest at the statutory BVG minimum interest rate. 

Total interest 2022-2024 Total interest 2015-2021

Minimum statutory interest rate

  2019 2020 2021 2022 2023 2024
BVG minimum interest rate in % 1.00 1.00 1.00 1.00 1.00 1.25

 

Investments and investment strategy

We offer you stability and the highest possible security thanks to our size and broadly diversified investment strategy. Each company is given access to investments that promise success. 

Investment strategy Top 10 equities Top 10 bonds

Coverage ratio & performance

19.2
Assets in CHF billion
31.12.2023
108.4%
Coverage ratio
30.06.2024
4.6%
Investment Performance
30.06.2024

Responsible partner

Vita Collective Foundation is responsibly committed to providing a balanced and secure occupational pension for all generations. The focus in the area of sustainability is currently on three areas of impact: the commitment as an active shareholder, impact-oriented investment and investment in sustainable decarbonization. In our framework for sustainable investments, we disclose how we integrate sustainability into our investment process.
Active shareholders Impact-oriented investments Sustainable Decarbonization

In brief

3'454
votes at shareholders’ meetings
230
million CHF investment in senior housing
-39,1%
CO2-emissions real estate Switzerland since 2010

Protect your savings

Fair pension planning solutions ensure that you and your employees receive as much of your savings as possible. Talk to the Vita pension team to find out how our solutions meet this requirement.

Coverage ratio & performance

19.2
Assets in CHF billion
31.12.2023
108.4%
Coverage ratio
30.06.2024
4.6%
Investment Performance
30.06.2024

Senior housing

Together with local partners, the Vita Collective Foundation designs attractive, forward-looking housing and living space for growing old without any cares.

Contribution to financing pension conversion losses

The pension regulations of the Vita Collective Foundation stipulate that the Foundation may levy contributions from insured persons and from the employer to finance the compensation of pension conversion losses (Art. 5 (5)).

Starting from January 1, 2024, a contribution rate of 0.01867 percent will be levied for the first time. This is calculated on the basis of the extrapolated mandatory retirement assets as of December 31, 2024 and applies to all active insured persons from the age of 45 and above. Per CHF 100,000 of retirement assets, this means a contribution of CHF 18.67 per year.

Employer and employee finance the contributions jointly – as provided for in the pension plan, for example 60/40 percent.

Annual key figures, composition of the foundation board and information on other institution can be found here.