Our investment opportunities

Lifecycle investment

We apply Lifecycle investment by default. We will then tailor the investment portfolio to your employee’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?

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Personal Investment

Your 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 own investment risk and are responsible for reducing the investment and interest rate risk.

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Lifecycle Variable Pension before the retirement date

In the accrual phase, your employee can opt for Lifecycle Variable Pension. With this type of pension, we tailor the investments to a variable benefit. Employees who retire can choose 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;
• Your 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 your employee passes away, their partner is also willing to receive a variable pension benefit.

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