Participation of pension recipients in investment income

The federal law on oc­cu­pa­tional pension schemes (BVG) stipulates that pension recipients should be able to participate in a pension fund’s free reserves if its financial situation is good. comPlan’s Foundation Counsil has discussed this intensively in recent quarters and adopted a participation grid on 12 September 2025. This enables pension recipients to participate in the returns on in­vest­ments.

The grid will be submitted to the Foundation Counsil each year as an actionable recommendation and is part of an overall concept that also includes interest on the retirement savings of active members and the procedure to be followed in the event of an (unlikely) restructuring.

As active members bear investment risks without an interest guarantee, generating interest on their retirement savings continues to take priority. At the same time, we want pension recipients to participate in positive de­vel­op­ments. Two instruments are available for this: