You accrue pension through a defined contribution scheme

 

Each year, contributions are made into your personal retirement savings account. Those contributions will be invested. With the capital gained, you subsequently buy an old-age and partner pension in form of an annuity at an insurance company. This concept is also known as a defined contribution scheme.

 

We invest for you

We apply your contributions of your personal retirement savings account to an investment mix according to your age. The investment mix is custom made by us. Are you almost 67? You will not want to take too much risk with your pension capital. Investment risk and volatility are therefore reduced in proportion to your age and the closer you come to retirement. This is called Life Cycle Investing; if you want to learn about our investments, consult layer 3 where you can find amongst other the Investment Brochure.

 

Using a Neutral profile

We invest by default through the Life Cycle, profile Neutral. Would you like another profile? There are three options open to you. It is important that your choices are made in accordance with your risk profile, which you need to determine.

 

Would you like to allocate your capital completely yourself? Then the self-select personal allocation option is open to you. You can self-select funds out of a range of funds. It is important that your choices are made in accordance with your risk profile, which you need to determine. Consult our Investment Brochure, should you want to know how it works in more detail.

 

SUBMENU: I build up a pension

Pension 1-2-3 (layer 2)