Investing

We have adjusted the way we invest.

Investment risk survey  

In April 2024, we conducted a survey among a group of employees participating in the pension scheme. The survey revealed that participants generally want to invest with slightly more risk, resulting in a higher 'expected pension.' The form of investment in which we invest for you by default must align with the survey outcomes. We invest in the standard form of investment unless you have made a different choice.

More risk generally means a better investment result. This can lead to a higher expected pension in the long term. However, the chance of a lower pension also increases. If the investments perform poorly, this can lead to a worse investment result and thus a lower expected pension.

Investment forms

DynamischBeleggen (standard form of investment, replaces Slimme Standaard)

In DynamischBeleggen, we invest based on a lifecycle. A lifecycle is a specific composition of investments. With this composition, we invest with less risk for you as you approach your retirement age. DynamischBeleggen yields a higher 'expected pension' than the Slimme Standaard but is riskier. This aligns with the survey results regarding investment risk. We invest entirely in Zwitserleven funds.

ProfielBeleggen (replaces Slim Laten Beleggen)

You can choose to switch to ProfielBeleggen. You then create a personal investor profile, which indicates how much risk you can and want to take. You then choose to invest in one of the matching lifecycles managed by Zwitserleven. We invest entirely in Zwitserleven funds.

VrijBeleggen (replaces Self Investing)

In this form of investment, you invest entirely at your own responsibility. Not all pension schemes offer VrijBeleggen. If you choose this option, you are responsible for the investments and must make decisions independently.

PensioenZekerheid

Since mid-September, we offer PensioenZekerheid in some pension schemes. PensioenZekerheid may be appropriate for you if you consider certainty about your pension important and you do not want to run any investment risks. With PensioenZekerheid, (a part of) your pension capital will no longer be invested.

With PensioenZekerheid, you can use part of your capital to purchase a guaranteed retirement pension and partner's pension, starting at 15 years before the state pension age (AOW). You will then receive this guaranteed amount in pension income every month from your retirement date. We call this a deferred fixed pension. You decide when and how often you will convert a fixed amount of your pension capital into a guaranteed pension.

Good to know:

PensioenZekerheid is not an investment form

PensioenZekerheid is not an investment form, but an option you can choose from with all forms of investment: DynamischBeleggen, ProfielBeleggen and VrijBeleggen.

Investing partially no longer possible

With the part of your pension capital that has been converted into a guaranteed retirement pension and partner's pension, you can no longer invest or buy a variable pension later.

Investing in Zwitserleven funds

In DynamischBeleggen and ProfielBeleggen, we invest entirely in Zwitserleven funds. Together with our fund manager, we invest the pension contributions with a focus on financial return and sustainability. All funds in DynamischBeleggen and ProfielBeleggen meet strict sustainability criteria (SFDR classification 8 or higher).

Adjusting retirement age

You can bring forward or postpone the date on which you actually wish to start your pension. Contact Zwitserleven if:

you wish to bring forward or postpone your retirement date; and
you wish to and are able to retire within 5 years.

We can then provide you with further information and adjust the retirement date. We will then use the adjusted retirement date when calculating your pension overview (UPO). Your investments may be adjusted as a result.