Vita Classic

Lever E021_Massband_v1_M

Vita Classic

For companies that assume responsibility, and all those who 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.
stacked coins

Transparent participation model

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

Investments & investment strategy

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

Mann mit Pflanze

Responsible partner

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

Why Vita Classic?

  • Stable returns, thanks to a proven and widely diversified investment strategy
  • Direct, balanced participation in investment income

More in detail

With its Vita Classic product, the Vita Collective Foundation stands for a balanced occupational retirement provision.
Active and retired persons as well as new and existing contracts receive a balanced share of the investment income.
Adapt your occupational retirement provision flexibly to your needs and take advantage of the option to choose how much you save.
Make provisions for your old age today.

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" and and in the fact sheet “Vita Classic retirement provision model”.

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 a share in the maximum additional interest. The base interest corresponds to the legally determined minimum interest. If the coverage ratio amounts to at least 102% on the effective date at the end of November, additional interest is paid.

The share in the maximum additional interests is dependent on how long the company has been affiliated with the Vita Collective Foundation. Thanks to the high investment income in past years, customers of the Vita Collective Foundation have benefited from total interest earned that is higher than average.

Total interest according to new model Total interest according to old model

Minimum statutory interest rate

  2015 2016 2017 2018 2019 2020 2021
BVG minimum interest rate in % 1.75 1.25 1.00 1.00 1.00 1.00 1.00