Improved investment types
Readtime 3 minutesAdjustments to our investment options
Time hasn’t stood still, and neither has the investment world. That’s why we’ve taken a close look at our investment options and made changes to the lifecycles. A lifecycle is a mix of investments tailored to factors like your age. As you get closer to your retirement date, we gradually reduce the level of investment risk.
For DoelgerichtBeleggen, we’ve adjusted the composition of the investments and the timing of risk reduction within the lifecycle. These changes will take effect on . We expect these adjustments to result in a better balance between return and risk, leading to a higher expected pension. You don’t need to take any action. However, you can choose the new investment option BewustBeleggen. Additionally, starting 15 years before your state pension age, you can opt for PensioenZekerheid.
Important: investments in your guarantee fund will not be converted to PensioenZekerheid.
For KeuzeBeleggen, we’re introducing several new investment funds. This is to provide you with a clear selection of diverse investment options and because we believe these new funds offer a better risk-return balance.
KeuzeBeleggen
With KeuzeBeleggen, you choose your own mix of investments and decide how much risk you want to take. That’s why it’s important to determine your investor profile. Your investor profile reflects the type of investor you are. While it’s recommended to invest in line with this profile, you’re free to make a different choice. You can manage this in MijnZwitserleven.
BewustBeleggen
With BewustBeleggen, you can choose to invest in one of the tailored lifecycles managed by Zwitserleven. A lifecycle is a specific mix of investments. The investments are aligned with your age, ensuring that the level of risk decreases as you approach your retirement date. This involves adjusting the allocation of funds to gradually reduce investment risk. BewustBeleggen offers 5 lifecycles: cautious, defensive, neutral, ambitious, or offensive.
DoelgerichtBeleggen
With DoelgerichtBeleggen, Zwitserleven invests for you using a lifecycle approach. A lifecycle is a specific mix of investments tailored to your age. As you get closer to your retirement date, the investments are adjusted to gradually reduce the level of risk. This involves changing the allocation of funds to lower the investment risk over time.
PensioenZekerheid
If you prioritize certainty, you can choose PensioenZekerheid. This allows you to use part of your pension capital to purchase a guaranteed old-age and partner's pension. You can do this up to 15 years before reaching your state pension age. From your retirement date, you will receive this guaranteed amount as a fixed monthly pension income. This is known as a deferred fixed pension. The old-age and partner's pension purchased with PensioenZekerheid is not adjusted for inflation.
Request advice
Pension decisions are lifelong. Whether a choice suits you depends on your personal circumstances. An independent pension adviser can help you organize your finances and guide you in making the best decisions. Don’t have an adviser yet? Visit zwitserleven.nl/findadviser.
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