A solution for a fixed pension that suits your fund
Support retirees who opt for certainty within the flexible defined contribution scheme.
Certainty when retirees request it
The transition to the Flexible Defined Contribution Scheme introduces new choices. Retirees are provided with the option to choose between a variable pension and a fixed pension. Many pension funds opt not to administer a fixed pension themselves.
Zwitserleven supports pension funds that wish to offer their retirees access to a fixed pension, while maintaining full freedom of choice and the right to shop around.
For your fund
- One clear process for all (future) retirees
- Assurance that the offer adheres to the right to shop around
- Support from Zwitserleven in communication and implementation
For your (future) retirees
- A guaranteed lifelong payout
- An attractive collective rate
- Support in choosing between fixed and variable
Why Zwitserleven?
Choose with confidence
Pensions are about certainty. That’s why you want the assurance that everything is well taken care of. With over 125 years of experience and a solid operational organisation, Zwitserleven is a partner pension funds can rely on.
Opt for customisation
The challenges of a company pension fund are different from those of an industry-wide pension fund. That’s why we don’t believe in standard solutions. Together, we look for an approach that suits both your fund and your (future) retirees.
Choose a strong pension partner
A changing pension landscape requires a partner who looks beyond just the product. Zwitserleven supports pension funds with expertise, operational strength, and years of experience in pensions.
Which approach suits your fund?
No pension fund is the same. That’s why we like to work with you to find the best approach for your fund and your (future) retirees. Customisation is possible, and we are happy to take the burden off your hands.
- Would you like to align with your existing decision-making process?
- Are you looking for a solution for a specific transition group?
- Do you want to agree on rates in advance?
- Do you want to minimise the impact on your administration?
In that case, a framework agreement or a collective arrangement may be suitable.
The two ways to collectively offer fixed pensions
Collective agreements
Together with you, we design the decision-making process for your retirees. We establish agreements with you regarding a collective, fund-specific rate for the fixed pension from Zwitserleven. This rate applies for a specific period. All retirees will receive a non-binding offer during this period.
Advantages
- Rate agreements tailored to your popunit-linked (UL)ation
- A clear approach for the fund and retirees
- Transparent agreements on planning and execution
- Options for customisation
Framework agreement
We align with your existing decision-making process. We arrange a special rate with you for the fixed pension from Zwitserleven and agree on the duration of this special rate. Future retirees can request a quote and join Zwitserleven based on this rate when making a choice for either a fixed or variable pension.
Advantages
- Predetermined rate valid for an extended period
- Integration with existing processes
- Easy implementation
- Retention of your own approach
Freedom of choice remains paramount
In both forms, (future) retirees retain the right to purchase a fixed pension elsewhere (right to shop around). This way, we combine clarity and convenience with complete freedom of choice.
Let us explore what suits you best
Setting up a fixed pension solution requires customisation. That is why we would love to discuss the possibilities for your fund and your (future) retirees with you.
Curious which option aligns best with your situation?