How our investing will change
Investing in the new pension
Investing is not new. We already invest your pension. This is necessary for a good pension. With the new pension, the way we invest changes. Jori Arts works on our investments every day. He is an investment adviser at Pensioenfonds PGB and explains what is changing.
Why do we invest your pension?
Saving does not provide enough return for a good pension. In fact, your savings lose value over time. The cost of living increases each year. This is called inflation. Interest on a savings account does not keep up with this. By investing, we put your pension money to work. This can help your pension grow.
You can see how your pension investments are performing
In the new pension, you will have your own personal pension pot. You can see how much money is in your pension pot. We invest this money. After the change, you can see on mijnpgbpensioen.nl how your pension investments are performing.
You see the results of the investments in your pension sooner
With the new rules, we keep lower reserves. Because of this, the new pension will move more with the economy. Is the economy doing well? Then we can increase your pension sooner. Is the economy doing less well? Then your pension can also go down sooner.
How much risk we take depends on your age
Now, we invest in almost the same way for everyone. This will change. How much investment risk we take will depend on your age.
How we invest in the new pension in 1.5 minutes
Up to age 49 more risk
We take more risk. This can help your pension grow faster. If markets go down, there is time to recover.
From age 49 to 68 we reduce the risk step by step
to reduce the chance of your pension going down. But there is also less chance of large increases in your pension.
From age 67 onwards less risk
You choose a variable or fixed pension
Up to age 49 more risk
We take more risk. This can help your pension grow faster. If markets go down, there is time to recover.
From age 49 to 67 we reduce the risk step by step
This lowers the chance that your pension decreases. But it also reduces the chance of large increases.
From age 67 onwards less risk
You choose a variable or fixed pension
You can choose how much risk to take
In the new pension, you decide how much risk we take with your pension. You can choose the standard level of risk, or opt for more or less risk. If you take more risk, your expected pension is higher, but less certain. If you take less risk, your expected pension is lower, but more certain. You can make this choice once we move to the new pension.
How we invest in the new pension in 1.5 minutes
Why do we invest your pension?
Saving will not give enough return for a good pension. In fact, money you save will lose value. Life will get a bit more expensive every year. This is called inflation. The interest on a savings account cannot keep up with this. By investing, we put your pension money to work for you. This can make your pension higher.
Have you accrued pension in a defined contribution agreement?
Then the way we invest for you will remain largely the same. You already have a type of personal pension pot. You already see the results of the investments in your pension sooner. We also already take your age into account when investing. You can already choose how much risk to take. The choice between a fixed and a variable pension will change. Before you retire, you currently choose whether you want a stable pension with us or a variable pension with another provider. Under the new pension, you can choose a variable pension with us or a fixed pension with another provider.
You can find your pension scheme on your Uniform Pension Overview (UPO) or in mijnpgbpensioen.nl.