2025 Annual Report and Financial Statements

The Board of Trustees has approved the 2025 Annual Report and the audited financial statements. The financial position of the Livica Collective Foundation remains solid: The consolidated funding ratio stood at 110.2% as of December 31, 2025. All pension funds with reported pension capital closed the fiscal year with a coverage ratio of over 100%.

The consolidated annual return on employer-sponsored pension funds was 4.89% in 2025. Depending on the financial situation of the pension fund, the pension commissions credited interest to their members’ retirement assets at rates ranging from 2.0% to 8.0%. This means that all pension funds exceeded the BVG minimum interest rate of 1.25%.

The key figures, as well as the 2025 annual report and financial statements, are available in German on our website. The fact sheets detailing the individual annual results of the pension funds can be accessed via the online portal.