With an i-Pensioen Surviving dependants' pension, the surviving dependants of your insured employees receive a guaranteed pension. They do not run any investment risk. The market interest rate defines the amount of the premium you have to pay for the pension of your employees. The market interest rate fluctuates. Your premium will be adjusted to the market interest rate. This is what we call RendementsCorrectie.
For a RendementsCorrectie we compare the market interest rate with the 2.5% actuarial interest rate. In addition, the costs will also be taken into account. If the market interest rate is higher than 2.5%, you, as an employer, will receive a discount on the premium. If the market interest rate is lower than 2.5 %, you, as an employer, will have to pay a surcharge.
More information is available on the current level of discount and surcharge. Zwitserleven considers the long-term market interest rates. The SWAP curve will be used for this purpose.
RendementsCorrectie Fixed for i-Pensioen Surviving dependants' pension
In this case, the RendementsCorrectie is fixed at the start of the contract. This means that the discount or surcharge on the premium will apply for the entire term of your pension contract. The premium does not depend on fluctuations in market interest rates. In determining the RendementsCorrectie Fixed, we consider factors such as the average age of the participants in the pension scheme.
Solvency and asset management fee
The solvency and asset management fee together amount to 0.25%. The solvency fee enables us, for example, to guarantee the pensions if the insured parties live longer than expected. The management fee is needed for the management of the pension assets. The solvency and asset management fees have already been integrated in the RendementsCorrectie percentage in the above graph. The RendementsCorrectie is determined by means of a formula. The tipping point between a discount or a surcharge is not exactly 2.5%. RendementsCorrectie Variable and RendementsCorrectie Fixed have different tipping points.
Is RendementsCorrectie suitable for you?
A pension is complex and requires advice. Therefore, make sure to seek adequate advice about your pension scheme. For this purpose, Zwitserleven has been working with professional, independent advisers for many years. They can give advice on pension solutions from various providers. Are you looking for an independent adviser? Please enter your postcode in our adviser search function.
You can also contact Zwitserleven for advice on Zwitserleven solutions only. Keep in mind that you will have to pay an advice fee. Have you requested an appointment yet? If you have, we will proceed as follows:
- We will contact you within 5 working days.
- We'll listen to your wishes. You can choose between independent advice from an external adviser or advice from Zwitserleven.
- Do you choose an independent adviser? In that case, we will help you find an adviser in your region.
- Do you choose Zwitserleven? In that case, one of our Zwitserleven pension specialists will make a personal appointment with you.