Lifecycle Variable Pension
Provisional choice of Variable Pension before the retirement date
At Centraal Beheer PPI, the participant can opt for Variable Pension at the retirement date. This means that we will pay out the pension from the retirement date, while continuing to invest the rest of the pension capital.
Lifecycle Variable Pension before the retirement date
The participant can opt for the Lifecycle Variable Pension about fifteen years before the retirement date. This allows us to tailor the investments to the Variable Pension while you accrue your pension. This means that we will gradually reduce the investment risk by exchanging 'High risk' for 'Low risk'. At the retirement date, the participant invests 40% in 'High Risk' and 60% in 'Low risk'. The Lifecycle Variable Pension has a lifetime investment horizon.
Lifecycle Variable Pension
| Portfolio | Investment funds | Composition | ISIN code |
|---|---|---|---|
| High risk |
Investment Funds:
Achmea IM ESG Diversified Return Fund
|
Composition:
Shares developed countries
Shares in emerging markets
Property shares
High-yield bonds
Emerging markets bonds
|
ISIN code: NL0015001DJ2 |
| Low risk |
Investment Funds:
Achmea IM ESG Diversified Fixed Income Fund
|
Composition:
Green bonds
|
ISIN code: NL0015001DH6 |
Final choice of Variable Pension at the retirement date
Until the retirement date, participants may still change their choice of fixed or variable pension at any time. It is not until the retirement date that the participant makes a final choice: a Variable Pension with Centraal Beheer PPI or a fixed or variable pension benefit with another pension administrator.
The Variable Pension is a high-risk financial product
To make a good choice, participants need to know the benefits and risks of a Variable Pension. Only then will the participant be able to make a proper assessment of whether the Variable Pension suits their situation. It is therefore important that participants seek advice from an independent pensions adviser.
Read more about Variable Pension here.
If you, as an adviser, would like to request an offer for a Variable Pension for someone, you can do so here.