Verzinsung der Altersguthaben im 2022

Der Stiftungsrat hat für das Kalenderjahr 2022 in Abhängigkeit des Anlagemoduls und des Deckungsgrades des Vorsorgewerks folgende Verzinsungen (pro Jahr) der Altersguthaben beschlossen:

01.01.2022

Anlagemodul 1 und/oder 2

Deckungsgrad	Zinssatz Obligatorium	Zinssatz Überobligatorium
< 107%	1.00%	1.00%
≥ 107% und < 114%	1.00%	1.50%
≥ 114% und < 121%	1.00%	2.00%
≥ 121% und < 128%	1.00%	2.50%
≥ 128%	1.00%	3.00%

Für die Festlegung der Verzinsung 2022 ist für Vorsorgewerke in den Anlagemodulen 1 und/oder 2 der jeweilige geschätzte Deckungsgrad per 30. September 2021 und die Rendite Oktober 2021 massgebend. Für Vorsorgewerke, welche sich per 2021 oder im Verlaufe des 2021 der Stiftung angeschlossen haben, beträgt die Verzinsung der überobligatorischen Altersguthaben 1.00%.

Anlagemodul 3

Zinssatz Obligatorium	Zinssatz Überobligatorium
1.00%	0.25%

Gerne beraten wir Sie persönlich. Wir freuen uns.

+41 44 224 20 60

History
+
Request History
4 previous requests available
====
Session
+
Session
- Config
  userAgenteaa01e7983d91632f946bd9e7633eede
  time1730913873
  countdown10
  languagede
- _Token
  key8c490e1212c854df5f4fdb77fa29c366207d7e841009218d0f7b54e8fef72dc0720083add881855fb6e37aa6f44168a0a7fb48b683ed188eb39e388ea399b486
  allowedControllers(empty)
  allowedActions(empty)
  unlockedFields(empty)
  csrfTokens
  8c490e1212c854df5f4fdb77fa29c366207d7e841009218d0f7b54e8fef72dc0720083add881855fb6e37aa6f44168a0a7fb48b683ed188eb39e388ea399b4861730908473
====
Request
+
Request

Cake Params
- plugin(null)
- controllernews
- actionview
- named(empty)
- pass
  0zinsen-2022
- langde
- _Token
  key8c490e1212c854df5f4fdb77fa29c366207d7e841009218d0f7b54e8fef72dc0720083add881855fb6e37aa6f44168a0a7fb48b683ed188eb39e388ea399b486
  unlockedFields(empty)
- isAjax(false)
Post data

No post data.

Query string

No querystring data.

Cookie

To view Cookies, add CookieComponent to Controller

Current Route
- nameI18nRoute
- keys
  0lang
  1controller
  2action
- options
  __promote(true)
  langde
- defaults
  plugin(null)
- template/:lang/:controller/:action/*
====
Sql Log
+

Sql Logs

default

Total Time: ms
Total Queries: 0 queries
Query Affected Num. rows Took (ms) Actions

Query Explain:

Click an "Explain" link above, to see the query explanation.

====

Timer

Memory

Peak Memory Use 7.40 MB

Message	Memory use
Component initialization	3.02 MB
Controller action start	5.04 MB
Controller render start	5.16 MB
View render complete	6.79 MB

Timers

Total Request Time: 41 (ms)

Message	Time in ms	Graph
Core Processing (Derived from $_SERVER["REQUEST_TIME"])	14.89
Event: Controller.initialize	11.36
Event: Controller.startup	0.73
Controller action	1.71
Event: Controller.beforeRender	1.69
» Processing toolbar data	1.66
Rendering View	1.77
» Event: View.beforeRender	0.01
» Rendering APP/View/News/view.ctp	0.19
» Event: View.afterRender	0.02
» Event: View.beforeLayout	0.01
» Rendering APP/View/Themed/Frontend/Layouts/frontend.ctp	1.25
» » Rendering APP/View/Themed/Frontend/Elements/nav/meta_nav.ctp	0.25
» » Rendering APP/View/Themed/Frontend/Elements/nav/main_nav_dropdown.ctp	0.05
» » Rendering CORE/Cake/View/Elements/sql_dump.ctp	0.08
» » Rendering APP/View/Themed/Frontend/Elements/nav/main_nav.ctp	0.03
» » Rendering APP/View/Themed/Frontend/Elements/nav/meta_nav.ctp #2	0.20
Event: View.afterLayout	0.00

====

Log
+

Logs

There were no log entries made this request

====
Variables
+
View Variables
- referer/
- news
  News
  id47
  titleVerzinsung der Altersguthaben im 2022
  short_descriptionDer Stiftungsrat hat für das Kalenderjahr 2022 in Abhängigkeit des Anlagemoduls und des Deckungsgrades des Vorsorgewerks folgende Verzinsungen (pro Jahr) der Altersguthaben beschlossen:
  date2022-01-01
  text<p><span style="font-size: 18px;">Anlagemodul 1 und/oder 2</span></p> <div class="row cktemplate"> <div class="col-xs-12"> <div class="table-responsive"> <table class="table table-striped"> <thead> <tr> <th style="width: 33%">Deckungsgrad</th> <th style="width: 33%">Zinssatz Obligatorium</th> <th style="width: 33%">Zinssatz Überobligatorium</th> </tr> </thead> <tbody> <tr> <td>< 107%</td> <td>1.00%</td> <td>1.00%</td> </tr> <tr> <td>≥ 107% und < 114%</td> <td>1.00%</td> <td>1.50%</td> </tr> <tr> <td>≥ 114% und < 121%</td> <td>1.00%</td> <td>2.00%</td> </tr> <tr> <td>≥ 121% und < 128%</td> <td>1.00%</td> <td>2.50%</td> </tr> <tr> <td>≥ 128%</td> <td>1.00%</td> <td>3.00%</td> </tr> </tbody> </table> </div> </div> </div> <p>Für die Festlegung der Verzinsung 2022 ist für Vorsorgewerke in den Anlagemodulen 1 und/oder 2 der jeweilige geschätzte Deckungsgrad per 30. September 2021 und die Rendite Oktober 2021 massgebend. Für Vorsorgewerke, welche sich per 2021 oder im Verlaufe des 2021 der Stiftung angeschlossen haben, beträgt die Verzinsung der überobligatorischen Altersguthaben 1.00%. </p> <p> </p> <p><span style="font-size: 18px;">Anlagemodul 3</span></p> <div class="row cktemplate"> <div class="col-xs-12"> <div class="table-responsive"> <table class="table table-striped"> <thead> </thead> <tbody> <tr> <td><strong>Zinssatz Obligatorium</strong></td> <td><strong>Zinssatz Überobligatorium</strong></td> </tr> <tr> <td>1.00%</td> <td>0.25%</td> </tr> </tbody> </table> </div> </div> </div>
  seo_friendlyzinsen-2022
  image
  published(true)
  created2022-01-07 12:30:09
- meta
  id75
  parent_id(null)
  account_id2
  lft2
  rght77
  typeroot
  nameVerzinsung der Altersguthaben im 2022 | Vorsorgestiftung ZAV
  aliascake-base-3-de
  page_title(null)
  template(null)
  languagede
  fallback(true)
  css_class
  internal_page_forward(null)
  internal_custom_forward(null)
  external_forward
  hide(false)
  published(true)
  access_role_id
  access_login_type
  access_node_id
  access_denied_redirect(null)
  meta_robotsindex,follow
  meta_typewebsite
  meta_site_nameVerzinsung der Altersguthaben im 2022 | Vorsorgestiftung ZAV
  meta_titleVerzinsung der Altersguthaben im 2022 | Vorsorgestiftung ZAV
  meta_descriptionDer Stiftungsrat hat für das Kalenderjahr 2022 in Abhängigkeit des Anlagemoduls und des Deckungsgrades des Vorsorgewerks folgende Verzinsungen (pro Jahr) der Altersguthaben beschlossen:
  meta_short_descriptionDer Stiftungsrat hat für das Kalenderjahr 2022 in Abhängigkeit des Anlagemoduls und des Deckungsgrades des Vorsorgewerks folgende Verzinsungen (pro Jahr) der Altersguthaben beschlossen:
  meta_keywordspensionskasse, vorsorge, ärzte, medizinalberufe, vollversicherung, versicherung, todesfall, kapital, wertschriftensparen, sparen, vorsorgepläne, pensionskasse, pension, lösung, invalidenrente, rente, kinderrente, lebensversicherung, alterskapital
  meta_share_img/uploads/images/pro-medico-header-w.jpg
  meta_favicon
  meta_touch_icon_144x144
  meta_publisher
  meta_authorPro Medico – Pensionskasse der Medizinalberuf
  meta_address
  meta_postal_code
  meta_city
  meta_region_code
  meta_region_name
  meta_country_code
  meta_country_name
  meta_lat
  meta_lng
  meta_phone
  meta_email
  meta_fb_app_id
  meta_fb_admins
  meta_fb_page_id
  meta_twitter_site
  meta_twitter_creator
  meta_twitter_cardplayer
  meta_twitter_account
  meta_twitter_gallery_folder
  meta_twitter_player
  meta_twitter_player_width0
  meta_twitter_player_height0
  meta_twitter_player_image
  meta_twitter_player_stream
  meta_twitter_player_stream_content_type
  meta_google_publisher
  meta_google_author
  meta_google_analytics_id(null)
  meta_webapp_title
  meta_webapp_bar_styleblack
  meta_webapp_win_tile_color
  meta_webapp_startup_image
  created0000-00-00 00:00:00
  creator_id0
  modified2022-05-31 16:25:29
  modifier_id122
- current_link
  admin(null)
  plugin(null)
  controllernews
  actionview
  0zinsen-2022
  ?(empty)
- main_nav
  0
  nameAngebot
  link/page/verbandsvorsorge
  subpages
  0
  nameVerbandsvorsorge
  link/page/verbandsvorsorge
  1
  nameVorsorgelösungen
  link/page/vorsorgeloesungen
  2
  nameVorsorgepläne
  link/page/vorsorgeplaene
  3
  nameVergleich der Vorsorgepläne
  link/page/vergleich
  4
  nameVorteile
  link/page/vorteile
  1
  nameAnlagen
  link/page/anlagestrategien
  subpages
  0
  nameAnlagestrategien
  link/page/anlagestrategien
  1
  nameWertentwicklung / Deckungsgrad
  link/page/wertentwicklung-deckungsgrad
  2
  nameAnlageorganisation
  link/page/anlageorganisation
  3
  nameStimmrechtsausübung
  link/page/stimmrechts-ausuebung
  4
  nameNachhaltigkeit / ESG
  link/page/nachhaltigkeit
  2
  nameÜber uns
  link/page/kurzportrait
  subpages
  0
  nameKurzportrait
  link/page/kurzportrait
  1
  nameKennzahlen
  link/page/kennzahlen
  2
  nameOrganisation
  link/page/organisation
  3
  nameJobs / Offene Stellen
  link/page/jobs-offene-stellen
  4
  nameKontakt
  link/page/kontakt-for
  3
  nameDokumente / Downloads
  link/page/aktuell
  subpages
  0
  nameAktuell
  link/page/aktuell
  1
  nameFormulare
  link/page/formulare
  2
  nameMerkblätter
  link/page/merkblaetter
  3
  nameReglemente
  link/page/reglemente
  4
  nameGeschäftsberichte
  link/page/geschaeftsberichte
  5
  nameDokumente
  link/page/dokumente
- $request->data(empty)
- $this->validationErrors
  News(empty)
  Page(empty)
- Loaded Helpers
  0AssetCompress
  1Form
  2Time
  3Text
  4Session
  5BaseAdmin
  6PhpThumb
  7Gravatar
  8Content
  9Html
  10Paginator
  11Number
  12SimpleGraph
  13DebugTimer
  14Toolbar
  15Js
  16HtmlToolbar
====

Environment

App Constants

Constant	Value
CONFIG	/var/www/promedico-dev.coservice.ch/htdocs/app/Config/
DEFAULT_LANGUAGE	de

CakePHP Constants

Constant	Value
APP	/var/www/promedico-dev.coservice.ch/htdocs/app/
APP_DIR	app
APPLIBS	/var/www/promedico-dev.coservice.ch/htdocs/app/Lib/
CACHE	/var/www/promedico-dev.coservice.ch/htdocs/app/tmp/cache/
CAKE	/var/www/promedico-dev.coservice.ch/htdocs/lib/Cake/
CAKE_CORE_INCLUDE_PATH	/var/www/promedico-dev.coservice.ch/htdocs/lib
CORE_PATH	/var/www/promedico-dev.coservice.ch/htdocs/lib/
CAKE_VERSION	2.10.13
CSS	/var/www/promedico-dev.coservice.ch/htdocs/app/webroot/css/
CSS_URL	css/
DS	/
FULL_BASE_URL	https://promedico-dev.coservice.ch
IMAGES	/var/www/promedico-dev.coservice.ch/htdocs/app/webroot/img/
IMAGES_URL	img/
JS	/var/www/promedico-dev.coservice.ch/htdocs/app/webroot/js/
JS_URL	js/
LOGS	/var/www/promedico-dev.coservice.ch/htdocs/app/tmp/logs/
ROOT	/var/www/promedico-dev.coservice.ch/htdocs
TESTS	/var/www/promedico-dev.coservice.ch/htdocs/app/Test/
TMP	/var/www/promedico-dev.coservice.ch/htdocs/app/tmp/
VENDORS	/var/www/promedico-dev.coservice.ch/htdocs/vendors/
WEBROOT_DIR	webroot
WWW_ROOT	/var/www/promedico-dev.coservice.ch/htdocs/app/webroot/

PHP Environment

Environment Variable	Value
Php Version	7.4.16
Redirect Redirect Https	on
Redirect Redirect Ssl Tls Sni	promedico-dev.coservice.ch
Redirect Redirect Status	200
Redirect Https	on
Redirect Ssl Tls Sni	promedico-dev.coservice.ch
Redirect Status	200
Https	on
Ssl Tls Sni	promedico-dev.coservice.ch
Http Accept	/
Http User Agent	Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)
Http Accept Encoding	gzip, br, zstd, deflate
Http Host	promedico-dev.coservice.ch
Path	/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin
Server Signature	Apache/2.4.18 (Ubuntu) Server at promedico-dev.coservice.ch Port 443
Server Software	Apache/2.4.18 (Ubuntu)
Server Name	promedico-dev.coservice.ch
Server Addr	82.199.139.192
Server Port	443
Remote Addr	18.226.170.41
Document Root	/var/www/promedico-dev.coservice.ch/htdocs
Request Scheme	https
Context Prefix
Context Document Root	/var/www/promedico-dev.coservice.ch/htdocs
Server Admin	tech@appwork.ch
Script Filename	/var/www/promedico-dev.coservice.ch/htdocs/app/webroot/index.php
Remote Port	24210
Redirect Url	/app/webroot/news/view/zinsen-2022
Gateway Interface	CGI/1.1
Server Protocol	HTTP/1.1
Request Method	GET
Query String
Request Uri	/news/view/zinsen-2022
Script Name	/app/webroot/index.php
Php Self	/app/webroot/index.php
Request Time Float	1730906673.4891
Request Time	1730906673

====

Include
+
Included Files

Include Paths
- 0/var/www/promedico-dev.coservice.ch/htdocs/lib
- 2/usr/share/php
- 3-> /var/www/promedico-dev.coservice.ch/htdocs/lib/Cake/
Included Files
- core
  Behavior
  0CORE/Model/Behavior/ContainableBehavior.php
  Cache
  0CORE/Cache/Cache.php
  1CORE/Cache/Engine/FileEngine.php
  2CORE/Cache/CacheEngine.php
  Component
  0CORE/Controller/Component/SecurityComponent.php
  1CORE/Controller/Component/SessionComponent.php
  2CORE/Controller/Component/RequestHandlerComponent.php
  3CORE/Controller/Component/PaginatorComponent.php
  4CORE/Controller/Component/AuthComponent.php
  5CORE/Controller/Component/Auth/FormAuthenticate.php
  6CORE/Controller/Component/Auth/BaseAuthenticate.php
  Config
  0CORE/Config/config.php
  Controller
  0CORE/Controller/Controller.php
  1CORE/Controller/ComponentCollection.php
  2CORE/Controller/Component.php
  Datasource
  0CORE/Model/Datasource/CakeSession.php
  1CORE/Model/Datasource/Database/Mysql.php
  2CORE/Model/Datasource/DboSource.php
  3CORE/Model/Datasource/DataSource.php
  Error
  0CORE/Error/exceptions.php
  1CORE/Error/ErrorHandler.php
  I18n
  0CORE/I18n/I18n.php
  1CORE/I18n/L10n.php
  Log
  0CORE/Log/CakeLog.php
  1CORE/Log/LogEngineCollection.php
  2CORE/Log/Engine/FileLog.php
  3CORE/Log/Engine/BaseLog.php
  4CORE/Log/CakeLogInterface.php
  Model
  0CORE/Model/Model.php
  1CORE/Model/BehaviorCollection.php
  2CORE/Model/ModelBehavior.php
  3CORE/Model/ConnectionManager.php
  Network
  0CORE/Network/CakeRequest.php
  1CORE/Network/CakeResponse.php
  Other
  0CORE/bootstrap.php
  1CORE/basics.php
  2CORE/Core/App.php
  3CORE/Core/Configure.php
  4CORE/Core/CakePlugin.php
  5CORE/Event/CakeEventListener.php
  6CORE/Event/CakeEvent.php
  7CORE/Event/CakeEventManager.php
  8CORE/Core/CakeObject.php
  Routing
  0CORE/Routing/Dispatcher.php
  1CORE/Routing/Filter/AssetDispatcher.php
  2CORE/Routing/DispatcherFilter.php
  3CORE/Routing/Filter/CacheDispatcher.php
  4CORE/Routing/Router.php
  5CORE/Routing/Route/CakeRoute.php
  Utility
  0CORE/Utility/Hash.php
  1CORE/Utility/Inflector.php
  2CORE/Utility/ObjectCollection.php
  3CORE/Utility/Debugger.php
  4CORE/Utility/CakeText.php
  5CORE/Utility/Set.php
  6CORE/Utility/ClassRegistry.php
  7CORE/Utility/Security.php
  View
  0CORE/View/HelperCollection.php
- app
  Config
  0APP/Config/core.php
  1APP/Config/bootstrap.php
  2APP/Config/settings.php
  3APP/Config/Environments/staging.php
  4APP/Config/routes.php
  5APP/Config/database.php
  Controller
  0APP/Controller/NewsController.php
  1APP/Controller/AppController.php
  Model
  0APP/Model/News.php
  1APP/Model/AppModel.php
  Other
  0APP/webroot/index.php
  1APP/Vendor/autoload.php
  2APP/Vendor/composer/autoload_real.php
  3APP/Vendor/composer/ClassLoader.php
  4APP/Vendor/composer/autoload_namespaces.php
  5APP/Vendor/composer/autoload_psr4.php
  6APP/Vendor/composer/autoload_classmap.php
- plugins
  AssetCompress
  Config
  0AssetCompress/Config/bootstrap.php
  Plugin
  0AssetCompress/Routing/Filter/AssetCompressor.php
  1AssetCompress/Lib/AssetConfig.php
  Composer
  Config
  0Composer/Config/bootstrap.php
  Content
  Config
  0Content/Config/routes.php
  Component
  0Content/Controller/Component/ContentServiceComponent.php
  Plugin
  0Content/Lib/PageHandlers/RootHandler.php
  1Content/Lib/PageHandlers/PageHandler.php
  DebugKit
  Component
  0DebugKit/Controller/Component/ToolbarComponent.php
  Plugin
  0DebugKit/Lib/DebugMemory.php
  1DebugKit/Lib/Panel/HistoryPanel.php
  2DebugKit/Lib/DebugPanel.php
  3DebugKit/Lib/Panel/SessionPanel.php
  4DebugKit/Lib/Panel/RequestPanel.php
  5DebugKit/Lib/Panel/SqlLogPanel.php
  6DebugKit/Lib/Panel/TimerPanel.php
  7DebugKit/Lib/Panel/LogPanel.php
  8DebugKit/Lib/Log/Engine/DebugKitLog.php
  9DebugKit/Lib/Panel/VariablesPanel.php
  10DebugKit/Lib/Panel/EnvironmentPanel.php
  11DebugKit/Lib/Panel/IncludePanel.php
  12DebugKit/Lib/DebugTimer.php
  I18n
  Plugin
  0I18n/Lib/Routing/Route/I18nRoute.php
  Config
  0I18n/Config/routes.php
  Search
  Component
  0Search/Controller/Component/PrgComponent.php
  Behavior
  0Search/Model/Behavior/SearchableBehavior.php
  Utils
  Behavior
  0Utils/Model/Behavior/ToggleableBehavior.php
====

Verzinsung der Altersguthaben im 2022

Der Stiftungsrat hat für das Kalenderjahr 2022 in Abhängigkeit des Anlagemoduls und des Deckungsgrades des Vorsorgewerks folgende Verzinsungen (pro Jahr) der Altersguthaben beschlossen:

+41 44 224 20 60

Request History

Session

Request

Cake Params

Post data

Query string

Cookie

Current Route

Sql Logs

default

Total Time: ms Total Queries: 0 queries

Query Explain:

Memory

Timers

Logs

View Variables

App Constants

CakePHP Constants

PHP Environment

Included Files

Include Paths

Included Files

Total Time: ms
Total Queries: 0 queries