{"id":8641,"date":"2020-04-12T07:58:35","date_gmt":"2020-04-12T05:58:35","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/minimum-interest-rate\/"},"modified":"2024-12-01T15:14:52","modified_gmt":"2024-12-01T14:14:52","slug":"minimum-interest-rate","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/minimum-interest-rate\/","title":{"rendered":"Minimum interest rate"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>\n<p class=\"wp-block-paragraph\" data-block-type=\"core\"><b>The minimum interest rate is the minimum interest rate that a pension fund must pay on the BVG <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/retirement-assets\/\">retirement<\/a> assets in a given year<\/b><span style=\"font-weight: 400\">.\nDieser Zins wird j\u00e4hrlich vom Bundesrat neu festgelegt.\nDabei ber\u00fccksichtigt er die Renditeentwicklung verschiedener Wertanlagen wie Bundesobligationen, Anleihen, Aktien und Liegenschaften.  <\/span><\/p>\n\n<!--more-->\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\"><span style=\"font-weight: 400\">The pension fund must credit you with at least the minimum interest rate on the BVG portion of your pension assets each year.\nIt may also apply a higher interest rate.\nEven if it does not achieve a return on its investments equal to the minimum interest rate, it must credit the minimum interest rate to your pension assets.\nOnly if the fund is in     <\/span><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/shortfall\/\"><span style=\"font-weight: 400\">Shortfall<\/span><\/a><span style=\"font-weight: 400\">  As part of an overall restructuring concept and if other measures do not lead to the desired result, it may suspend the minimum interest rate for a maximum of 5 years.\nFor retirement assets in the   <\/span><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/extra-mandatory-extra-mandatory-benefits\/\"><span style=\"font-weight: 400\">Non-mandatory scheme<\/span><\/a><span style=\"font-weight: 400\"> it is not the Federal Council but the pension fund itself that determines the annual interest rate. <\/span> <\/p>\n\n<figure class=\"wp-block-table table v1-mod table-striped\" data-block-type=\"core\"><table><thead><tr><th><b>Year<\/b><\/th><th><b>BVG minimum interest rate<\/b><\/th><\/tr><\/thead><tbody><tr><td><span style=\"font-weight: 400\">1985-2002<\/span><\/td><td><span style=\"font-weight: 400\">4,00<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">  2003  <\/span><\/td><td><span style=\"font-weight: 400\">3,25<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2004<\/span><\/td><td><span style=\"font-weight: 400\">2,25<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2005-2007<\/span><\/td><td><span style=\"font-weight: 400\">2,50<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2008  <\/span><\/td><td><span style=\"font-weight: 400\">2,75<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2009-2011<\/span><\/td><td><span style=\"font-weight: 400\">2,00<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2012-2013<\/span><\/td><td><span style=\"font-weight: 400\">1,50 <\/span>%<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2014-2015<\/span><\/td><td><span style=\"font-weight: 400\">1,75<\/span> %<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2016  <\/span><\/td><td><span style=\"font-weight: 400\">1,25 <\/span>%<\/td><\/tr><tr><td><span style=\"font-weight: 400\">2017-2023<\/span><\/td><td><span style=\"font-weight: 400\">1,00<\/span> %<\/td><\/tr><tr><td>2024<\/td><td>1.25 %<\/td><\/tr><tr><td>2025<\/td><td>1.25 % (expected)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">How has the BVG minimum interest rate developed since 1985?<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The minimum interest rate is the minimum interest rate that a pension fund must pay on the BVG retirement assets in a given year. Dieser Zins wird j\u00e4hrlich vom Bundesrat neu festgelegt. Dabei ber\u00fccksichtigt er die Renditeentwicklung verschiedener Wertanlagen wie Bundesobligationen, Anleihen, Aktien und Liegenschaften.<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2409],"tags":[2446,2445],"class_list":["post-8641","post","type-post","status-publish","format-standard","category-financial-lexicon","tag-development-of-minimum-interest-rate","tag-minimum-interest-rate-en"],"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","davenport-blog-thumb":"","davenport-blog-thumb-grid":"","davenport-blog-thumb-widget":"","davenport-blog-thumb-masonry":"","woocommerce_thumbnail":"","woocommerce_single":"","woocommerce_gallery_thumbnail":""},"post_excerpt_stackable_v2":"<p>Lesedauer &lt; 1 Minute The minimum interest rate is the minimum interest rate that a pension fund must pay on the BVG retirement assets in a given year. Dieser Zins wird j\u00e4hrlich vom Bundesrat neu festgelegt. Dabei ber\u00fccksichtigt er die Renditeentwicklung verschiedener Wertanlagen wie Bundesobligationen, Anleihen, Aktien und Liegenschaften. The pension fund must credit you with at least the minimum interest rate on the BVG portion of your pension assets each year. It may also apply a higher interest rate. Even if it does not achieve a return on its investments equal to the minimum interest rate, it must credit&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/financial-lexicon\/\" rel=\"category tag\">Financial lexicon<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8641"}],"version-history":[{"count":2,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8641\/revisions"}],"predecessor-version":[{"id":9579,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8641\/revisions\/9579"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8641"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8641"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}