You face significant choices. We provide clarity and peace of mind
Our solutions for pension funds
The new pension rules are making headlines every day. However, for pension funds, there’s much more at stake than just the headlines. It’s about real and challenging decisions. Decisions that are crucial for the pension scheme members, the organization, and the fund’s future.
Pension funds face important decisions
As a pension fund, you face an important decision: what does the future of your fund look like? Will your fund continue under the Future Pensions Act (Wtp), or will you opt for a guaranteed pension for your members with Zwitserleven? Each decision has different implications for your members, your organization, and the way the pension administration is managed.
Guaranteed and secure pension (buyout)
In a buyout, you transfer the pension liabilities entirely to an insurer. The insurer takes over management, pension administration, and communication with members. The members receive a guaranteed pension with a pre-agreed indexation. The insurer is not allowed to reduce this pension in the future, not even if the stock market experiences a downturn. After completing the buyout, your pension fund ceases to exist.
Even if your fund opts to join a General Pension Fund (APF), a guaranteed pension can still be part of the solution. For example, for specific liabilities or certain groups of members.
More about a buyout by Zwitserleven
Transitioning into the Wtp
Many funds are opting for a Flexible Contribution Scheme (FPR) as part of the transition to the Future Pensions Act (Wtp). In this case, the pension is variable both during the accrual phase and the payout phase. This means the pension amount can fluctuate. To provide financial security for members, you can offer them a fixed pension with Zwitserleven. Zwitserleven can support you in facilitating this choice and in communicating about it to members.
Other solutions
Some funds opt for intermediate solutions, such as:
- Buy-in
- Here, you insure (part of) the pension liabilities with an insurer. Your pension fund remains responsible for the scheme. A buy-in can help mitigate risks while allowing the pension fund to continue to exist.
- Optout
- You give your members the option to transfer their accrued pension entitlements to an insurer with guarantees. Your pension fund remains in place for members who do not choose a guaranteed pension.
- Carve-out
- In a carve-out, you essentially separate a small, specific portion of the pension liabilities from your pension fund and transfer it to an insurer. Most of the liabilities remain within the fund, for example, to be transitioned into the Future Pensions Act (Wtp).
Why Zwitserleven?
Choose with confidence
Transitioning or not. Continuing or concluding. Investing in systems and execution, or opting for simplicity and security for your members. These are not easy decisions. They require clarity, calm, and confidence. .
Choose tailor-made solutions
We truly deliver tailor-made solutions. We act quickly in unexpected or complex situations, think proactively, and work closely with all stakeholders. Together, we create a solution that perfectly fits your fund and its members.
Choose Zwitserleven
We are pension specialists. For 125 years. We help pension funds clarify their choices and execute decisions with care. With a focus on what truly matters: your members and your responsibility as a fund.
Buyout
Buyout: the choice that offers members security
A buyout is one of the options pension funds explore. In a buyout, you transfer your pension liabilities to an insurer. The insurer then takes care of the administration and payment of retirement benefits. Additionally, an insurer guarantees that pensions will not be reduced, even during challenging times in the stock market. Various types of indexation are also possible, such as an annual fixed percentage or one linked to European price inflation. For many pension funds, a buyout is a pathway to security, peace of mind, and simplicity.
Since 2007, Zwitserleven has facilitated dozens of buyouts, including those of Nedlloyd, Yara, Trespa, and Pensura. These 20 years of experience ensure a streamlined and professional process with minimal risks and maximum transparency.
Would you like to know if a buyout is an option for your pension fund? We would be happy to discuss it with you.
Maak kennis met Zwitserleven
U hoeft niet direct te weten welke keuze u maakt. Vaak begint het met een goed gesprek: waar staat uw fonds, wat speelt er, en welke vragen verdienen aandacht? Wij denken graag met u mee.