Met PensioenZekerheid koopt een werknemer al vanaf 15 jaar voor de AOW-leeftijd met een deel van het pensioenkapitaal een gegarandeerd ouderdoms- en partnerpensioen. Dit ouderdomspensioen ontvangt een werknemer vanaf de pensioendatum. Daarom heet dit een uitgesteld pensioen. Het pensioen dat met PensioenZekerheid wordt gekocht is een vast pensioen. Dat wil zeggen dat de hoogte van het pensioen vast staat vanaf pensioendatum.
Vast bedrag
Hieronder staan de tarieven die bij een vast bedrag gebruikt worden voor de aankoop van vast pensioen. Deze tarieven veranderen elke twee weken.
Tarieftabel PensioenZekerheid voor vast bedrag:
Tarieftabel
De onderstaande tarieftabel is gebaseerd op pensioenrichtleeftijd 68
geldig van 15-11-2024 t/m 29-11-2024.
Prijs per euro gegarandeerd ouderdomspensioen met 70 cent partnerpensioen.
| Leeftijd | Sekseneutraal | SA - Man | SA - Vrouw |
|---|---|---|---|
| 53 | € 14,57 | € 14,75 | € 14,45 |
| 54 | € 14,80 | € 14,98 | € 14,68 |
| 55 | € 15,04 | € 15,22 | € 14,93 |
| 56 | € 15,30 | € 15,48 | € 15,19 |
| 57 | € 15,58 | € 15,76 | € 15,46 |
| 58 | € 15,87 | € 16,06 | € 15,75 |
| 59 | € 16,18 | € 16,37 | € 16,06 |
| 60 | € 16,51 | € 16,70 | € 16,38 |
| 61 | € 16,85 | € 17,05 | € 16,73 |
| 62 | € 17,22 | € 17,41 | € 17,09 |
| 63 | € 17,60 | € 17,80 | € 17,47 |
| 64 | € 18,01 | € 18,21 | € 17,86 |
| 65 | € 18,43 | € 18,64 | € 18,28 |
| 66 | € 18,88 | € 19,09 | € 18,71 |
| 67 | € 19,35 | € 19,57 | € 19,17 |
| 68 | € 19,84 | € 20,07 | € 19,64 |
| Bruto tarief (dus inclusief kosten) | |||
| Lineaire interpolatie tussen leeftijden | |||
| Afronden naar beneden op maanden nauwkeurig |
Kosten en voorwaarden
| Rendement gebaseerd op | Euribor bidrente swapcurve + spread |
|---|---|
| Bijstelling rendement | 2-wekelijks |
| Afslag solvabiliteitskosten | 0,30% |
| Afslag beheerkostenvergoeding | 0,15% |
| Excassokosten | 0,00% |
| Administratiekosten | € 0,- |
Voorwaarden voor vast bedrag
| Eerste storting | |
|---|---|
| Eerste kosten | € 1.000,- |
| Relatiekorting | 0% |
| Minimale eerste koopsom | €10.000,- |
| Vervolgstortingen na 1 jaar | |
|---|---|
| Eerste kosten | € 0,- |
| Relatiekorting | 4%* |
| Minimale koopsom | Geen |
*indien binnen 1 jaar een vervolgstorting plaats dan bedraagt de relatiekorting 0%.
Overlevingstabel
| Leeftijd | man | vrouw | sekseneutraal |
|---|---|---|---|
| 0 | 10.000.000 | 10.000.000 | 10.000.000 |
| 1 | 9.989.383 | 9.983.698 | 9.986.541 |
| 2 | 9.988.237 | 9.982.172 | 9.985.205 |
| 3 | 9.987.525 | 9.981.356 | 9.984.441 |
| 4 | 9.987.031 | 9.980.771 | 9.983.901 |
| 5 | 9.986.687 | 9.980.247 | 9.983.467 |
| 6 | 9.986.357 | 9.979.839 | 9.983.098 |
| 7 | 9.986.078 | 9.979.463 | 9.982.770 |
| 8 | 9.985.804 | 9.979.128 | 9.982.465 |
| 9 | 9.985.521 | 9.978.800 | 9.982.159 |
| 10 | 9.985.263 | 9.978.419 | 9.981.839 |
| 11 | 9.984.963 | 9.978.022 | 9.981.490 |
| 12 | 9.984.642 | 9.977.565 | 9.981.101 |
| 13 | 9.984.237 | 9.976.999 | 9.980.615 |
| 14 | 9.983.739 | 9.976.353 | 9.980.043 |
| 15 | 9.983.167 | 9.975.677 | 9.979.419 |
| 16 | 9.982.463 | 9.974.918 | 9.978.687 |
| 17 | 9.981.402 | 9.973.988 | 9.977.692 |
| 18 | 9.980.234 | 9.973.028 | 9.976.628 |
| 19 | 9.978.733 | 9.971.945 | 9.975.336 |
| 20 | 9.976.948 | 9.970.788 | 9.973.865 |
| 21 | 9.975.011 | 9.969.603 | 9.972.304 |
| 22 | 9.972.950 | 9.968.366 | 9.970.655 |
| 23 | 9.970.892 | 9.967.057 | 9.968.964 |
| 24 | 9.968.596 | 9.965.813 | 9.967.173 |
| 25 | 9.966.274 | 9.964.579 | 9.965.362 |
| 26 | 9.963.903 | 9.963.134 | 9.963.417 |
| 27 | 9.961.486 | 9.961.685 | 9.961.427 |
| 28 | 9.959.146 | 9.960.033 | 9.959.375 |
| 29 | 9.956.624 | 9.958.348 | 9.957.191 |
| 30 | 9.954.053 | 9.956.473 | 9.954.887 |
| 31 | 9.951.423 | 9.954.539 | 9.952.514 |
| 32 | 9.948.613 | 9.952.392 | 9.949.937 |
| 33 | 9.945.671 | 9.950.201 | 9.947.248 |
| 34 | 9.942.653 | 9.947.637 | 9.944.376 |
| 35 | 9.939.478 | 9.944.753 | 9.941.291 |
| 36 | 9.936.065 | 9.941.673 | 9.937.976 |
| 37 | 9.932.447 | 9.938.255 | 9.934.414 |
| 38 | 9.928.670 | 9.934.534 | 9.930.652 |
| 39 | 9.924.611 | 9.930.318 | 9.926.553 |
| 40 | 9.920.134 | 9.925.804 | 9.922.067 |
| 41 | 9.915.304 | 9.920.617 | 9.917.156 |
| 42 | 9.910.041 | 9.914.789 | 9.911.770 |
| 43 | 9.904.165 | 9.908.293 | 9.905.764 |
| 44 | 9.897.660 | 9.901.361 | 9.899.174 |
| 45 | 9.890.437 | 9.893.222 | 9.891.780 |
| 46 | 9.882.509 | 9.884.306 | 9.883.678 |
| 47 | 9.873.744 | 9.874.018 | 9.874.657 |
| 48 | 9.863.680 | 9.862.546 | 9.864.367 |
| 49 | 9.852.653 | 9.850.339 | 9.853.155 |
| 50 | 9.840.460 | 9.837.093 | 9.840.803 |
| 51 | 9.827.021 | 9.822.601 | 9.827.210 |
| 52 | 9.811.926 | 9.806.777 | 9.812.011 |
| 53 | 9.795.365 | 9.788.894 | 9.795.267 |
| 54 | 9.777.424 | 9.770.559 | 9.777.273 |
| 55 | 9.758.310 | 9.750.878 | 9.758.085 |
| 56 | 9.737.276 | 9.730.034 | 9.737.073 |
| 57 | 9.714.833 | 9.707.847 | 9.714.659 |
| 58 | 9.690.517 | 9.684.257 | 9.690.426 |
| 59 | 9.664.425 | 9.659.129 | 9.664.436 |
| 60 | 9.636.829 | 9.632.718 | 9.636.959 |
| 61 | 9.606.811 | 9.604.048 | 9.607.071 |
| 62 | 9.574.189 | 9.572.874 | 9.574.573 |
| 63 | 9.538.457 | 9.540.371 | 9.539.111 |
| 64 | 9.499.362 | 9.505.960 | 9.500.380 |
| 65 | 9.456.583 | 9.468.449 | 9.457.998 |
| 66 | 9.409.950 | 9.428.871 | 9.411.869 |
| 67 | 9.358.877 | 9.386.206 | 9.361.380 |
| 68 | 9.303.728 | 9.340.975 | 9.307.020 |
| 69 | 9.243.118 | 9.291.124 | 9.247.594 |
| 70 | 9.177.087 | 9.237.443 | 9.183.110 |
| 71 | 9.106.159 | 9.180.279 | 9.114.187 |
| 72 | 9.026.655 | 9.117.552 | 9.037.294 |
| 73 | 8.938.621 | 9.049.699 | 8.952.602 |
| 74 | 8.842.356 | 8.975.762 | 8.860.259 |
| 75 | 8.735.353 | 8.894.850 | 8.758.099 |
| 76 | 8.617.016 | 8.805.415 | 8.645.418 |
| 77 | 8.484.514 | 8.706.631 | 8.520.388 |
| 78 | 8.334.865 | 8.595.919 | 8.379.962 |
| 79 | 8.168.144 | 8.471.858 | 8.224.709 |
| 80 | 7.984.532 | 8.333.051 | 8.053.861 |
| 81 | 7.778.556 | 8.173.396 | 7.861.867 |
| 82 | 7.545.694 | 7.990.251 | 7.644.860 |
| 83 | 7.290.361 | 7.782.915 | 7.405.774 |
| 84 | 7.001.005 | 7.543.130 | 7.134.199 |
| 85 | 6.678.182 | 7.267.964 | 6.829.629 |
| 86 | 6.318.911 | 6.948.285 | 6.488.348 |
| 87 | 5.919.709 | 6.582.616 | 6.108.556 |
| 88 | 5.487.407 | 6.163.433 | 5.690.441 |
| 89 | 5.019.044 | 5.708.069 | 5.239.996 |
| 90 | 4.515.644 | 5.209.837 | 4.754.664 |
| 91 | 4.006.230 | 4.687.711 | 4.256.602 |
| 92 | 3.487.677 | 4.143.070 | 3.741.743 |
| 93 | 2.973.061 | 3.587.871 | 3.222.078 |
| 94 | 2.475.377 | 3.036.150 | 2.710.803 |
| 95 | 2.007.692 | 2.503.426 | 2.222.015 |
| 96 | 1.581.912 | 2.005.328 | 1.769.423 |
| 97 | 1.207.514 | 1.555.908 | 1.364.871 |
| 98 | 890.493 | 1.165.943 | 1.016.937 |
| 99 | 632.757 | 841.588 | 729.919 |
| 100 | 432.132 | 583.747 | 503.481 |
| 101 | 282.986 | 388.344 | 333.061 |
| 102 | 177.335 | 247.444 | 210.957 |
| 103 | 106.340 | 150.896 | 127.874 |
| 104 | 61.349 | 88.061 | 74.318 |
| 105 | 34.071 | 49.210 | 41.438 |
| 106 | 18.233 | 26.364 | 22.191 |
| 107 | 9.416 | 13.566 | 11.434 |
| 108 | 4.701 | 6.720 | 5.680 |
| 109 | 2.273 | 3.213 | 2.727 |
| 110 | 1.067 | 1.487 | 1.269 |
| 111 | 487 | 668 | 573 |
| 112 | 217 | 292 | 252 |
| 113 | 94 | 125 | 108 |
| 114 | 40 | 52 | 45 |
| 115 | 17 | 21 | 19 |
| 116 | 7 | 8 | 7 |
| 117 | 3 | 3 | 3 |
| 118 | 1 | 1 | 1 |
| 119 | 0 | 0 | 0 |
| 120 | 0 | 0 | 0 |
Vast percentage van de premie
Hieronder staan de tarieven die in 2024 bij een vast percentage van de premie worden gebruikt voor de aankoop van vast pensioen. Deze tarieven veranderen ieder jaar per 1 januari.
Tarieftabel PensioenZekerheid voor een vast percentage van de premie:
Pensioenrichtleeftijd 68
Prijs per euro gegarandeerd ouderdomspensioen met 70 cent partnerpensioen.
| Leeftijd | Sekseneutraal | SA - Man | SA - Vrouw |
|---|---|---|---|
| 53 | € 10,94 | € 10,95 | € 10,69 |
| 54 | € 11,21 | € 11,22 | € 10,96 |
| 55 | € 11,5 | € 11,51 | € 11,25 |
| 56 | € 11,81 | € 11,82 | € 11,55 |
| 57 | € 12,14 | € 12,15 | € 11,87 |
| 58 | € 12,49 | € 12,5 | € 12,22 |
| 59 | € 12,86 | € 12,87 | € 12,58 |
| 60 | € 13,25 | € 13,26 | € 12,97 |
| 61 | € 13,67 | € 13,68 | € 13,38 |
| 62 | € 14,10 | € 14,12 | € 13,81 |
| 63 | € 14,57 | € 14,58 | € 14,26 |
| 64 | € 15,05 | € 15,07 | € 14,73 |
| 65 | € 15,57 | € 15,59 | € 15,23 |
| 66 | € 16,11 | € 16,13 | € 15,75 |
| 67 | € 16,68 | € 16,70 | € 16,3 |
| 68 | € 17,28 | € 17,30 | € 16,88 |
Pensioenrichtleeftijd 67
| Leeftijd | Sekseneutraal | SA - Man | SA - Vrouw |
|---|---|---|---|
| 52 | € 11,30 | € 11,31 | € 11,05 |
| 53 | € 11,58 | € 11,59 | € 11,32 |
| 54 | € 11,87 | € 11,89 | € 11,62 |
| 55 | € 12,19 | € 12,20 | € 11,93 |
| 56 | € 12,52 | € 12,54 | € 12,26 |
| 57 | € 12,88 | € 12,90 | € 12,61 |
| 58 | € 13,26 | € 13,27 | € 12,98 |
| 59 | € 13,66 | € 13,67 | € 13,37 |
| 60 | € 14,08 | € 14,09 | € 13,78 |
| 61 | € 14,52 | € 14,54 | € 14,22 |
| 62 | € 14,99 | € 15,01 | € 14,68 |
| 63 | € 15,48 | € 15,50 | € 15,16 |
| 64 | € 16,00 | € 16,02 | € 15,67 |
| 65 | € 16,55 | € 16,57 | € 16,20 |
| 66 | € 17,12 | € 17,14 | € 16,75 |
| 67 | € 17,73 | € 17,75 | € 17,34 |
| 68 | - | - | - |
Voorwaarden
Kosten en voorwaarden
| Rendement gebaseerd op | Euribor bidrente swapcurve + spread |
|---|---|
| Bijstelling rendement | Het rendement op de 1ste werkdag van november gebruiken we voor het daaropvolgende kalenderjaar |
| Afslag solvabiliteitskosten | 0,20% |
| Afslag beheerkostenvergoeding | 0,15% |
| Excassokosten | 1,50% |
| Administratiekosten | € 0,- |
Overlevingstabel
| Leeftijd | man | vrouw | sekseneutraal |
|---|---|---|---|
| 0 | 10.000.000 | 10.000.000 | 10.000.000 |
| 1 | 9.989.383 | 9.983.698 | 9.986.541 |
| 2 | 9.988.237 | 9.982.172 | 9.985.205 |
| 3 | 9.987.525 | 9.981.356 | 9.984.441 |
| 4 | 9.987.031 | 9.980.771 | 9.983.901 |
| 5 | 9.986.687 | 9.980.247 | 9.983.467 |
| 6 | 9.986.357 | 9.979.839 | 9.983.098 |
| 7 | 9.986.078 | 9.979.463 | 9.982.770 |
| 8 | 9.985.804 | 9.979.128 | 9.982.465 |
| 9 | 9.985.521 | 9.978.800 | 9.982.159 |
| 10 | 9.985.263 | 9.978.419 | 9.981.839 |
| 11 | 9.984.963 | 9.978.022 | 9.981.490 |
| 12 | 9.984.642 | 9.977.565 | 9.981.101 |
| 13 | 9.984.237 | 9.976.999 | 9.980.615 |
| 14 | 9.983.739 | 9.976.353 | 9.980.043 |
| 15 | 9.983.167 | 9.975.677 | 9.979.419 |
| 16 | 9.982.463 | 9.974.918 | 9.978.687 |
| 17 | 9.981.402 | 9.973.988 | 9.977.692 |
| 18 | 9.980.234 | 9.973.028 | 9.976.628 |
| 19 | 9.978.733 | 9.971.945 | 9.975.336 |
| 20 | 9.976.948 | 9.970.788 | 9.973.865 |
| 21 | 9.975.011 | 9.969.603 | 9.972.304 |
| 22 | 9.972.950 | 9.968.366 | 9.970.655 |
| 23 | 9.970.892 | 9.967.057 | 9.968.964 |
| 24 | 9.968.596 | 9.965.813 | 9.967.173 |
| 25 | 9.966.274 | 9.964.579 | 9.965.362 |
| 26 | 9.963.903 | 9.963.134 | 9.963.417 |
| 27 | 9.961.486 | 9.961.685 | 9.961.427 |
| 28 | 9.959.146 | 9.960.033 | 9.959.375 |
| 29 | 9.956.624 | 9.958.348 | 9.957.191 |
| 30 | 9.954.053 | 9.956.473 | 9.954.887 |
| 31 | 9.951.423 | 9.954.539 | 9.952.514 |
| 32 | 9.948.613 | 9.952.392 | 9.949.937 |
| 33 | 9.945.671 | 9.950.201 | 9.947.248 |
| 34 | 9.942.653 | 9.947.637 | 9.944.376 |
| 35 | 9.939.478 | 9.944.753 | 9.941.291 |
| 36 | 9.936.065 | 9.941.673 | 9.937.976 |
| 37 | 9.932.447 | 9.938.255 | 9.934.414 |
| 38 | 9.928.670 | 9.934.534 | 9.930.652 |
| 39 | 9.924.611 | 9.930.318 | 9.926.553 |
| 40 | 9.920.134 | 9.925.804 | 9.922.067 |
| 41 | 9.915.304 | 9.920.617 | 9.917.156 |
| 42 | 9.910.041 | 9.914.789 | 9.911.770 |
| 43 | 9.904.165 | 9.908.293 | 9.905.764 |
| 44 | 9.897.660 | 9.901.361 | 9.899.174 |
| 45 | 9.890.437 | 9.893.222 | 9.891.780 |
| 46 | 9.882.509 | 9.884.306 | 9.883.678 |
| 47 | 9.873.744 | 9.874.018 | 9.874.657 |
| 48 | 9.863.680 | 9.862.546 | 9.864.367 |
| 49 | 9.852.653 | 9.850.339 | 9.853.155 |
| 50 | 9.840.460 | 9.837.093 | 9.840.803 |
| 51 | 9.827.021 | 9.822.601 | 9.827.210 |
| 52 | 9.811.926 | 9.806.777 | 9.812.011 |
| 53 | 9.795.365 | 9.788.894 | 9.795.267 |
| 54 | 9.777.424 | 9.770.559 | 9.777.273 |
| 55 | 9.758.310 | 9.750.878 | 9.758.085 |
| 56 | 9.737.276 | 9.730.034 | 9.737.073 |
| 57 | 9.714.833 | 9.707.847 | 9.714.659 |
| 58 | 9.690.517 | 9.684.257 | 9.690.426 |
| 59 | 9.664.425 | 9.659.129 | 9.664.436 |
| 60 | 9.636.829 | 9.632.718 | 9.636.959 |
| 61 | 9.606.811 | 9.604.048 | 9.607.071 |
| 62 | 9.574.189 | 9.572.874 | 9.574.573 |
| 63 | 9.538.457 | 9.540.371 | 9.539.111 |
| 64 | 9.499.362 | 9.505.960 | 9.500.380 |
| 65 | 9.456.583 | 9.468.449 | 9.457.998 |
| 66 | 9.409.950 | 9.428.871 | 9.411.869 |
| 67 | 9.358.877 | 9.386.206 | 9.361.380 |
| 68 | 9.303.728 | 9.340.975 | 9.307.020 |
| 69 | 9.243.118 | 9.291.124 | 9.247.594 |
| 70 | 9.177.087 | 9.237.443 | 9.183.110 |
| 71 | 9.106.159 | 9.180.279 | 9.114.187 |
| 72 | 9.026.655 | 9.117.552 | 9.037.294 |
| 73 | 8.938.621 | 9.049.699 | 8.952.602 |
| 74 | 8.842.356 | 8.975.762 | 8.860.259 |
| 75 | 8.735.353 | 8.894.850 | 8.758.099 |
| 76 | 8.617.016 | 8.805.415 | 8.645.418 |
| 77 | 8.484.514 | 8.706.631 | 8.520.388 |
| 78 | 8.334.865 | 8.595.919 | 8.379.962 |
| 79 | 8.168.144 | 8.471.858 | 8.224.709 |
| 80 | 7.984.532 | 8.333.051 | 8.053.861 |
| 81 | 7.778.556 | 8.173.396 | 7.861.867 |
| 82 | 7.545.694 | 7.990.251 | 7.644.860 |
| 83 | 7.290.361 | 7.782.915 | 7.405.774 |
| 84 | 7.001.005 | 7.543.130 | 7.134.199 |
| 85 | 6.678.182 | 7.267.964 | 6.829.629 |
| 86 | 6.318.911 | 6.948.285 | 6.488.348 |
| 87 | 5.919.709 | 6.582.616 | 6.108.556 |
| 88 | 5.487.407 | 6.163.433 | 5.690.441 |
| 89 | 5.019.044 | 5.708.069 | 5.239.996 |
| 90 | 4.515.644 | 5.209.837 | 4.754.664 |
| 91 | 4.006.230 | 4.687.711 | 4.256.602 |
| 92 | 3.487.677 | 4.143.070 | 3.741.743 |
| 93 | 2.973.061 | 3.587.871 | 3.222.078 |
| 94 | 2.475.377 | 3.036.150 | 2.710.803 |
| 95 | 2.007.692 | 2.503.426 | 2.222.015 |
| 96 | 1.581.912 | 2.005.328 | 1.769.423 |
| 97 | 1.207.514 | 1.555.908 | 1.364.871 |
| 98 | 890.493 | 1.165.943 | 1.016.937 |
| 99 | 632.757 | 841.588 | 729.919 |
| 100 | 432.132 | 583.747 | 503.481 |
| 101 | 282.986 | 388.344 | 333.061 |
| 102 | 177.335 | 247.444 | 210.957 |
| 103 | 106.340 | 150.896 | 127.874 |
| 104 | 61.349 | 88.061 | 74.318 |
| 105 | 34.071 | 49.210 | 41.438 |
| 106 | 18.233 | 26.364 | 22.191 |
| 107 | 9.416 | 13.566 | 11.434 |
| 108 | 4.701 | 6.720 | 5.680 |
| 109 | 2.273 | 3.213 | 2.727 |
| 110 | 1.067 | 1.487 | 1.269 |
| 111 | 487 | 668 | 573 |
| 112 | 217 | 292 | 252 |
| 113 | 94 | 125 | 108 |
| 114 | 40 | 52 | 45 |
| 115 | 17 | 21 | 19 |
| 116 | 7 | 8 | 7 |
| 117 | 3 | 3 | 3 |
| 118 | 1 | 1 | 1 |
| 119 | 0 | 0 | 0 |
| 120 | 0 | 0 | 0 |
Toelichting
Het tarief bevat alle kosten. Er zijn geen aanvullende kosten voor de werknemer of werkgever. Er is sprake van een lineaire interpolatie tussen leeftijden. De leeftijden worden afgerond op maanden nauwkeurig.