BVG News 2025.
Happy birthday, BVG!
Topics
AT A GLANCE
Did you know? The BVG turns 40 this year. Switzerland's law on occupational benefits has been in force since 1 January 1985 – we take a look back. In addition, we spoke to a customer who has been putting his trust in an Allianz pension fund solution since day one. The experience of four decades shows that consistency, a close relationship and responsibility are the basis for a successful partnership. Read the interview to find out why he opted for Allianz and why the BVG remains one of the most important accomplishments of Switzerland's pension system almost half a century after it was introduced.
In this edition of BVG News, we also take a brief look forward to the immediate future. Our electronic salary notification service will soon go live. This will save you not just a large amount of administration work but also lots of paper.
Last year we launched the info page for people insured in pillar 2. Now the page for employers has been revamped – with a clear structure, information sheets and forms, practical guides, key tips and detailed FAQs. As a result, you will be able to find everything you need quickly – from daily handling tasks to answers to special questions.
You will also find out which key figures and parameters will change next year and which initiatives we have launched in order to provide your employees and our beneficiaries with even better support.
You can rely on us at all times. With our solid financial strength and our forward-looking provisions, we will remain your reliable partner – today and in the future. We will be happy to assist and advise you whenever you need us.
Yours sincerely
Yves Barbezat
Head of Group Life
Interest on full insurance in 2025
In full insurance, our insured persons are benefiting from an attractive total interest rate in 2025:
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| Guaranteed interest | Interest surplus | Total rate of interest | |
| Compulsory |
1.25 % |
0.00 % | 1.25 % |
| Elective |
0.5 % |
1.25 % |
1.75 % |
Guaranteed interest rate for 2026
1.25% compulsory minimum interest rate
The Federal Council has decided to leave the BVG minimum interest rate for compulsory retirement assets at 1.25% for 2026.
0.5% elective guaranteed interest rate
The interest rate guaranteed by Allianz Suisse for elective retirement assets will be left at 0.5% for 2026.
Attractive total rate of interest in the semi-autonomous foundation
The following interest rates were adopted by the Board of Trustees in November:
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| Interest during the year 2025 | Total rate of interest 2025 | Interest during the year 2026 |
|
1.25 % |
2.25 % |
1.25 % |
40 years of the BVG, 40 years of trust
The BVG came into force in Switzerland on 1 January 1985. As a result, the first employees who have paid in for the maximum statutory contribution period – i.e. from the age of 25 onwards – are retiring this year.
To mark this occasion, we spoke to our longstanding customer Rolf Marti. He is a Board member at Racine Reisen AG in Biel/Bienne and was there when the BVG was introduced at his company 40 years ago.
Read about why he relies on Allianz, what has changed in all those years and why trust is so important.
Electronic salary notification
From 2026 onwards, you can simply report your company's salary data to us electronically – directly from your salary software (ERP), such as Bexio or Abacus. Whether it is for occupational benefits, health or accident insurance: with our electronic salary notification, you will be able to minimise your administrative workload without forgoing security.
Sound interesting? Then get in touch with us at kl-servicecenter@allianz-suisse.ch.
New-look info page for employers
Last year we launched our info page for people insured in pillar 2. Now the page for employers has been revamped. Alongside information sheets and forms, you will find guides, key tips and FAQs related to the pension fund on the new page.
Adjustment of conversion rates from 1 January 2026
Conversion rates for 2026
As we already informed you in the spring, the conversion rates will be adjusted slightly with effect from 1 January 2026. You can find the applicable conversion rates in the document "Key BVG figures, interest and conversion rates" in our download portal.
Pension Rules
The latest General Terms and Conditions (GTC) of the Allianz collective foundations are available aallianz.ch/bvg-documents.
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