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Conditions
Premiums on our employee benefit solutions will remain stable for most of our corporate customers as of 1 January 2026. Find out what the total credits are on retirement savings for 2025, what interest rate we guarantee for 2026, how insured persons can benefit from the semi-autonomous solution and what impact the attractive risk surpluses offered by full insurance have.
Conditions
Interest on retirement savings in 2025 and 2026
Regardless of the investment results actually achieved, the customers and insured persons of all Helvetia group foundations receive at least the minimum interest rate set by the Federal Council.
Each year, the Federal Council sets the minimum interest rate for compulsory retirement savings in occupational benefit schemes. For 2026, the minimum interest rate remains unchanged at 1.25%.
Find out more about the background to the Federal Council’s decision in its media release.
Voluntary contributions and additional interest for the semi-autonomous pension solution
In addition to a guaranteed interest rate in 2025, persons insured with Helvetia LOB Invest once again benefit from a voluntary contribution from Patria Cooperative and additional interest. The amounts due will be credited to insured persons’ retirement savings as of 1 January 2026.
Surpluses for group foundations with full insurance
At the Helvetia Group Foundation and Helvetia Prisma Group Foundation, insured persons benefit from risk surpluses in addition to the guaranteed interest rate on the compulsory portion of their retirement savings and the interest surplus on the supplementary portion. These also contribute to a higher interest rate on retirement savings.
Contracts covering a younger workforce and with a well-developed employee benefit system enjoy particularly attractive risk surpluses because they do not incur any pension losses (LOB). For 2025, the amount is up to 30% of the risk premiums paid for death and disability benefits. The example in the surplus statement information sheet shows you how the risk surplus can affect the interest rate on retirement savings.
All credits
On your pension solution’s website, under Key figures → Interest, you will find the current amounts of all retirement savings credits for 2025 and the guaranteed interest rate on retirement savings for 2026.