Our investment opportunities

By default, we invest the defined contribution in a neutral lifecycle portfolio. Because not everyone has the same risk profile, we offer a number of investment options: an aggressive and a defensive variant of the lifecycle, Personal Investment and Lifecycle Variable Pension.

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?

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.

Please note!

As of 1 November 2024, you will no longer be able to apply for a Variable Pension from Centraal Beheer PPI. You can contact an insurer of your choice for this. For example: Centraal Beheer.

You can choose a fixed or variable pension benefit. Centraal Beheer is our standard insurer for a fixed pension benefit. More information can be found on the website of Centraal Beheer.

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.

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.

More information about our investment policy