Despite the difficult situation on the equity and bond markets, Profond achieved a provisional total return of 5.3 per cent in 2025. The provisional funding ratio is 110.1 per cent and the interest rate on the insured persons’ retirement assets is 2.25 per cent – significantly above the statutory minimum interest rate of 1.25 per cent. Profond thus passes on a substantial portion of the return to the insured members, while the rest goes into building up the value fluctuation reserve. Thanks to constantly positive returns, Profond has been able to pay interest on the retirement assets at an average of 4.6 per cent over the past five years, making it one of the pension funds with the highest interest rates.

Qualitative growth brings long-term stability

In 2025, Profond recorded a significant rise from around 69’000 insured members at the end of 2024 to 92’000 at the end of 2025, while assets under management rose to around CHF 16.9 billion. With a strict subscription policy, Profond took care to achieve qualitative growth. In 2025, the ratio between actively contributing members and pensioners was optimised, thereby ensuring long-term risk capacity. In addition, the average age of the insured members remained stable and economies of scale benefited insured members and employers with a reduction in administration costs as of 01.01.2025. Increasing the number of actively contributing members thus ensures the sustainability of Profond’s real value-based investment strategy.  

Legal framework limits interest rates

It is important for Profond to pass on the investment return to the insured members, taking into account financial security. As in previous years, Profond will pay the maximum possible interest in 2025. In 2025, the interest rate was limited by legal requirements. However, Profond sees responsibility for the decision on the interest rate with the Foundation Board and has therefore initiated legal proceedings in order to have the legal framework reviewed.  

New benefits in the pension fund regulations

Occupational retirement benefits are constantly evolving due to changes in life patterns and the needs of the insured. This is why Profond has also added contemporary updates to its pension fund regulations this year and now offers:

• The ability to maintain insurance at the previous level if the level of employment is reduced
• No reduction of pension in the event of marriage or partnership after the reference age
• The ability to no longer pay savings contributions in the event of deferred retirement
• Continuation of pension provision from as early as 55 years of age (art. 7b)

Profond pays interest on the special accounts (uncommitted funds and employer contribution reserves) at 0.25 per cent in 2025. We recommend distributing the uncommitted funds so that the insured members will benefit from the higher interest rate.