Technical interest rate

Technical interest – what is it?

The technical interest rate for a pension fund is a calculated interest rate that is used to discount future pension obligations. It is used to calculate the current capital requirement for the future payment of pensions. This is not a guaranteed interest rate for insured persons, but an assumption about the long-term return that can be achieved on the invested capital.

The technical interest rate has a significant influence on the conversion rate and the funding ratio of the pension fund. It is determined by the Board of Trustees in collaboration with the occupational pensions expert, based on the legal framework and economic expectations.

The technical interest rate for FUTURA is 2.0% (as at 2025).

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