Our investment opportunities

We invest according to the lifecycle principle, where we adjust the investment portfolio to the employee’s standard retirement age. We offer the employee several options in this regard. They can also opt for our Lifecycle Variable Pension and Personal Investment products.

Lifecycle investments

We apply Lifecycle investment by default. In that case, we will adjust the investment portfolio to the participant’s standard retirement age. The closer they are to their retirement date, the lower the investment and interest rate risk of their portfolio will be. How does it work? What about the risks? What are the costs?

Personal Investment

The employee decides how they wish to invest their contribution. For this purpose, they will first establish an investment profile and then determine their investment mix by choosing the investment funds themselves. As such, they also determine their Personal investment risk and are responsible for reducing the investment and interest rate risk.

Lifecycle Variable Pension before the retirement date

In the accrual phase, the employee can opt for Lifecycle Variable Pension. With this type of pension, we tailor the investments to a variable pension benefit. Employees who retire can opt for a variable benefit with Centraal Beheer PPI or with another pension administrator. In this respect, the information below may be useful:

There is a risk that their pension benefit could be lower;
The employee has sufficient other financial means to ensure that their spending pattern will not be put at risk if their variable pension benefits prove to be lower;
The amount of their pension benefit may change annually;
In the event that the employee passes away, their partner is also willing to receive a variable pension benefit.

Read more about Lifecycle Variable Pension

Responsible investment policy

We invest our participants’ pension capital with the aim of achieving the best possible pension. We do so in a responsible manner and with respect for people and nature. That is why our lifecycle investment portfolios consist exclusively of investment funds that meet the ESG criteria. And we take it a step further.

For more information about our investment policy click here