The funding ratio shows how financially strong a pension fund is. In 2025, SSPF’s funding ratio was 136%. This means the fund had more assets than strictly necessary. This extra reserve is called a buffer.

The buffer is important. It helps the fund deal with setbacks, such as poor investment years or economic uncertainty. A strong financial position can also make it possible to increase pensions when this is considered responsible. The buffer also plays an important role in the transition to the new pension scheme. Under the new rules, pension funds will not be required to hold such large reserves. As a result, part of the buffer will become available. SSPF intends to distribute this part among participants. The exact amount of buffer available depends on the financial position of the fund at the time of transition to the new scheme.