Annual financial statement to 31.12.2018

A major step towards digitization

In 2018 the Integral successfully launched its app for insured persons, making it one of the first pension funds to provide such a tool. Meanwhile, following many successful years of investment 2018 was, however, financially disappointing. Although negative performance figures are, of course, undesirable, financial market developments sometimes make them unavoidable. Nevertheless, the Integral has a good reputation and continued to grow in 2018. Our investments in digitization are paying off.



Performance indicators to 31.12.2018

Performance indicators Pool 60-plus Pool 25-plus
Performance -7.3% -4.2%
Coverage ratio 101.4% 96.5%
Fluctuation reserves 8% 0%
Balance sheet total CHF 893 Mio. CHF 70 Mio.
Number of affiliations 405 42
Number of active insured persons 4'627 491
Number of pensioners (excl. short-term pensions) 795 67
Percentage of pensioners 14.7% 12.0%
Interest on pension assets 2.00% 1.00%
Interest on employer contribution reserves 1.00% 0.00%
Cost-of-living adjustment for pensions 0% 0%
Voluntary 13th month pension 0% 0%
Technical rate of interest 2.75% 2.00%

Interest rates in 2018

Interest rates: Pool 60-plus Pool 25-plus
Interest on pension asstes: 2.00% 1.00%
Interest on employer contribution reserves: 1.00% 0.00%
Interest on pension fund disposable assets: 0.50% 0.00%

Benefits for pensioners

Benefits in 2018 Pool 60-plus Pool 25-plus
Voluntary 13th month pension: 0% 0%
Cost-of-living adjustment: 0% 0%

Comercialstrasse 34
Postfach 286
CH-7007 Chur

Phone 081 650 08 80
Fax 081 650 08 89

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