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 and how much you and your employer pay in. 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 35 more risk
We take more risk. This can help your pension grow faster. If markets go down, there is time to recover.
Age 35 to 68 we reduce the risk step by step
This lowers the chance that your pension decreases. But it also reduces the chance of large increases.
Age 68 and over less risk
Do you receive a pension? Then we take less risk. We spread the investment results over 3 years and there is a reserve pot.
Up to age 35 more risk
We take more risk. This can help your pension grow faster. If markets go down, there is time to recover.
Age 35 to 68 we reduce the risk step by step
This lowers the chance that your pension decreases. But it also reduces the chance of large increases.
Age 68 and over less risk
Do you receive a pension? Then we take less risk. We spread the investment results over 3 years and there is a reserve pot.
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.
Do you now have a defined contribution agreement?
For you, the way we invest will stay about the same. You already have your own pension pot. You already get the investment results in your pension sooner. We already take your age into account when investing. What will change? You can now choose to take more or less investment risk. In the new pension, you will no longer have this choice.