Cookies 🍪

This website uses cookies subject to consent.

Skip to content
comPlan
Updated at

One-off additional payment for pension recipients

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 Board of Trustees 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 Board of Trustees 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: 

1. Adjustment of current pensions for inflation (inflation adjustment) 

  • The review of adjustments for inflation is based on the national consumer price index (CPI). 

  • Observation date: September; the change compared to September of the previous year is considered (annual review). 

  • The inflation adjustment corresponds to the maximum annual inflation rate. If annual inflation is below 0.5%, no inflation adjustment is made. This minimum requirement avoids adjustments of small amounts and allows free funds to be used specifically for measures with a noticeable effect (see section 2). 

  • Inflation adjustments that are not granted are not cumulatively made up for in subsequent years.

2. One-off payments 

  • Depend on the available free funds; can be paid out independently of inflation compensation. 

  • The one-off payment ranges from half to three months' pension. The current monthly pension serves as a reference. 

  • The amount is determined on a sliding scale based on the date of commencement of the pension or the underlying conversion rate in order to take account of the different conversion rates of previous years – and thus the guaranteed benefit promise. 

The prerequisite for both instruments is that comPlan is in a good financial position and the target fluctuation reserve has been reached. Measures that have been decided upon take effect from April onwards, subject to the revised annual accounts.

At its meeting on 25 November 2025, the Board of Trustees decided not to grant any inflation adjustment, as annual inflation is below 0.5%. Thanks to comPlan's sound financial position, the Board of Trustees has decided to make a one-off additional payment for 2025. The payment will be made on 15 April 2026 together with the regular monthly pension. The amount of the additional payment ranges from half to three months' pension and takes into account the different conversion rates at the time of retirement.