This is made possible by the above-average investment year with an annual performance of 8.4%. The interest rate of 4.5% is well above the minimum interest rate of 1.25% set by the Federal Council and confirms the adjustment of the “Flex 35” investment pool and the resulting increase in the equity ratio. The estimated coverage ratio after interest in the “Flex kollektiv” is 108.9% as at December 31, 2024.