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Financial security of the employee benefits unit pensions



Increasing life expectancy 

Due to increasing life expectancy, pensions have to be disbursed for a longer period than expected.


Decreasing interest level

In order to secure adequate interest on the pension coverage capital, GEMINI has to achieve an annual return of about 2.5%.


Demographic development

The demographic development shows a sharp increase in the ratio of pensioners to active members (as baby boomers are retiring).



GEMINI’s set of measures 2021

The GEMINI Collective Foundation is feeling the effects of the demographic trend and the decline in interest rates. In cooperation with a group of experts, the Foundation Board has therefore drawn up a set of measures to ensure the financial stability of the employee benefits unit Pensions.