At GEMINI, each affiliated company has its own employee benefits unit and decides on its benefits and financing. In 2025, all coverage ratios were above 100%. The interest rate was determined individually. All investment pools achieved results in line with the industry average.
Coverage ratio
As at the end of 2025, all active employee benefits units had a coverage ratio of over 100%.
Interest
The pension fund committees set the interest rate for 2025 based on the returns achieved. The administrative office calculates a provisional coverage ratio for each employee benefits unit at the end of October. This shows how the chosen interest rate affects the coverage ratio and includes guidance for the pension fund committees when deciding on the interest rate.
Investment results of the GEMINI Pools
GEMINI’s four investment pools achieved returns in line with the industry average in 2025.
The most popular choice, Pool 25, achieved a return of 3.75% as at the end of December 2025. Pool 35 achieved a return of 5.40%, and Pool 50 posted 7.38%. The conservative Pool 0 (excluding equities) recorded a return of 1.35%.
All figures refer to the time-weighted rates of return in the investment pools. The investment performance of the respective employee benefits units is calculated individually according to their money-weighted rate of return.