Interest rates and participation in investment returns
The Substitute Occupational Benefit Institution will also grant additional interest on retirement savings capital in the area of pension provision for 2025 under BVG/LPP. Survivors’ and invalidity pensions are adjusted for inflation in accordance with the law. Pensioners in the BVG/LPP business unit, who are not subject to any statutory adjustment for inflation, will receive a one-off special payment with the first pension payment in January 2026. Moreover, interest rates have been set from 1 January 2026.
Payment of interest and benefit improvements in 2025
The interest paid on vested benefits accounts was adjusted during the course of the year. From January to April, it was 0.4%; from May to October, it was 0.2%; and from November to December, it was 0.1%.
In the area of BVG/LPP provision, interest rates are being increased as follows:
Additional interest of 3.00% will be granted on retirement savings capital for 2025. The total interest will thus increase to 4.25%.
Additional interest of 3.85% will be granted on the additional account balance for 2025. The total interest will thus also increase to 4.25%.
The additional interest is granted if the person is actively insured on 31 December 2025 or if a benefit case occurs on this date.
A one-off special payment of 10% of the pension will be paid for pensions (pension provision under the Occupational Pensions Act), which are not adjusted as part of the statutory cost-of-living adjustment.
Payment of interest in 2026
The interest on vested benefits accounts will be 0.05%. This interest rate is reviewed by the Board of Trustees every quarter and may be adjusted.
In the area of BVG/LPP provision, the following interest rates shall apply:
The interest on retirement savings capital, will be 1.25%.
The interest on additional account balances will be 1.25%.
