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Retirement

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The interest rate in a pension fund is the interest that you, as an actively insured person, receive on your retirement assets contributed and further saved up. The interest rate is set per year and depends on the financial situation of your employer's pension fund in which you are insured. That means:

Each year in advance, the TRANSPARENTA Board of Trustees submits a pension model Fixed interest rate and coverage ratio of pension funds (interest rate table).
However, the pension commission of your pension fund may also set its own interest rate, which deviates from the recommended value — depending on its financial situation and risk capacity and within the framework of legal restrictions in accordance with Art. 46 BVV2.

This is fair: This is because, thanks to the individual coverage model used, at TRANSPARENTA, each pension fund finances its own interest rate with the income that it receives each year on a percentage of the foundation's results. This depends primarily on the investment performance achieved.

Or in other words: Every pension fund — and therefore you as an insured person — benefits from 100% profit-sharing with TRANSPARENTA. What is not directly credited to insured persons as interest on retirement assets flows into the collective reserves of their own pension fund. This reserve cushion built up in good times helps to cushion bad times as a result of stock market crashes (such as in 2008, 2018 or 2022) - and thus always be able to pay positive interest on insured persons's retirement assets every year despite occasional years of loss.

Interest table with default rates per 2025

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The interest rate table is graded according to coverage levels and differentiates according to pension model (S for split or U for enveloping). This ensures that the financial position and risk capacity of each pension fund is adequately taken into account when paying interest on retirement assets.

Effective interest rate for the last 5 years (Ø of all pension funds)

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The list shows the effective interest rate on retirement assets, including the distribution of free funds, over the last 5 years. The figures are to be understood as a capital-weighted average of all pension funds. For the individual insured person, the interest rates of their employer's pension fund were decisive.

2024: 2.11% (provisional)
2023: 1.23%
2022: 2.29%
2021: 1.84%
2020: 1.27%

Compared to the profitability of bank savings accounts or pillar 3a products, insured persons benefited from an attractive interest rate from their pension fund while maintaining the highest possible level of security.

Distribution of free funds

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In order to improve performance, the pension commission of your pension fund can also decide to distribute free funds via a distribution plan instead of raising the interest rate.

In addition to retirement savings, the distribution plan can take into account other criteria, such as insurance years. Compared to the additional interest rate, we recommend this only when the free funds to be distributed amount to at least 3% of the retirement assets (i.e. from a coverage ratio of 118%). Before that, raising the interest rate is the most efficient way.

Purpose of interest: Maintain the purchasing power of money — for decades

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The interest rate on retirement assets is primarily used to maintain and ideally expand the purchasing power of savings contributions paid over 40 years over an entire working life. One speaks of expansion when a positive real interest rate is achieved. Depending on the definition, this is the case when the effective interest rate on retirement assets is higher than the inflation of money (inflation rate) or individual wage increases (wage growth rate) of the insured person.

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The interest rate applicable to you is based on your personal pension statement specified. It can be found under the “Personal data” section with reference number 1. The interest actually credited in Swiss francs for the previous year can be found on the pension statement as of January 1 in the “Account Statement” section.

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