In your pension scheme you have various choices that you can make. You can only make a choice if your employer has included the option in your pension scheme. By clicking on a choice you go to the page that gives you an explanation and guides you in making your choice. The information on this page is specifically about the product Zwitserleven Pensioen.
Additional voluntary contributions
- Additional saving
This is a voluntary additional contribution at your own expense
Read more about additional saving - One-off additional saving
This is a voluntary additional contribution at your own expense on salary components (such as a bonus) on which no pension is accrued as standard
Read more about one-off additional saving - Net saving
This is a voluntary contribution at your own expense to a net pension scheme
Read more about net saving
Voluntary death insurance
- Voluntary ANW shortfall insurance
This is a voluntary additional insurance in the event of death at your own expense
Read more about Voluntary ANW shortfall insurance - Net coverage
These are death insurance policies at your own expense in a net pension scheme
Read more about net coverage
Transfer of pension
- Incoming Value Transfer
This is the transfer of pension accrued with the pension provider of your previous employer to Zwitserleven
Read more about incoming value transfer - Outgoing Value Transfer
This is the transfer of your pension accrued at Zwitserleven to the pension provider of your new employer
Read more about outgoing value transfer
Investments
- Smart Investing
This means choosing for a different investment mix than the standard investment mix
Read more about smart investing - Self investing
This means – on your own responsibility – choosing for a different investment mix from the other funds offered by Zwitserleven
Read more about self investitng - Pension Stabiliser
Choosing for a defensive investment mix based on bonds
Read more about the pension stabiliser - Preparing for Fixed or Variable Pension
This means adjusting your investments according to your (provisional) choice for a fixed pension or a variable pension before your retirement date
Read more about preparing for fixed or variable pension - Adjust retirement age
This means making your own choice for a different retirement age, as a result of which the investment mix is adjusted
Read more about adjust retirement age
Retirement
- Choosing an insurer on the retirement date (right to shop)
Read more about right to shop - High – Low pension (benefit)
This means choosing for a temporary higher pension benefit first and then a lower pension benefit for the rest of your life
Read more about high-low pension - Reducing your partner’s pension
This means choosing for a lower partner’s pension in favor of a higher retirement pension
Read more about reducing your partners pension - Early or postponed retirement
This means choosing to have your pension to start earlier or later
Read more about early or postponed retirement - Fixed or variable pension
This is choosing between a fixed pension (guaranteed) or a variable pension (not guaranteed)
Read more about fixed or variable pension
Pension upon death
- Purchase of pension upon death
This is about the choices your partner has after your death
Read more about purchase of pension upon death