HorizonBeleggen means investing without the usual hassle for employers and employees. Because Zwitserleven is responsible for scaling back the risk of the investments. In case of HorizonBeleggen, the retirement date constitutes the horizon for the investments. Hence the name. In other words, the risks associated with investments decrease as the retirement age approaches. In this way, employees retain the chance of a good return, while the risks are gradually scaled back. That, too, is an advantage of thinking ahead.