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Advantages and disadvantages of a flexible contribution scheme.

Advantages and disadvantages of a flexible contribution scheme.

In the new pension system, we have two types of contribution schemes: a flexible and a solidary contribution scheme. In essence they have much in common. The main difference is in the way the returns reach the participants and the extent to which solidarity reserves are used.

Readtime 5 minutes

Continuing the average pay scheme or switching to a pension fund.

Continuing the average pay scheme or switching to a pension fund.

In this blog, a real-life case study will be discussed. It is an average pay scheme provided by an insurance company that is swapped for an average pay scheme with a better accrual percentage provided by a voluntary industry-wide pension fund.

Readtime 8 minutes

Fixed versus variable pension income.

Fixed versus variable pension income.

A key principle in the development of the new pension system is that pension incomes should move more in line with returns. This desire is mainly instilled by the fact that pension funds have seen little to no indexation in recent years and a number of pension funds are threatening to lower pension incomes.

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Optimal investment policy at participant level.

Optimal investment policy at participant level.

In the current system of individual defined contribution schemes, we use the lifecycle system to select the investments at participant level. Later, under the new pension system, we will once again work use lifecycles in the flexible defined contribution scheme. Berry van Sonsbeek on lifecycle models under the new pension system.

Readtime 5 minutes