Opportunity for a higher pension
With Zwitserleven Variabel Pensioen, you continue to invest (part of) your pension capital. Your pension income is reset each year and may then be higher or lower. Of course, we invest your capital sustainably. Calculate your pension and discuss with your financial adviser whether a variable pension would suit you and which form would be best..
Features of the Zwitserleven Variabel Pensioen
Set your own ratio between fixed pension and investment
You can choose how much of your pension capital you want to invest, according to your personal situation. You will receive a fixed pension income from the remainder. So you decide how much risk you can and wish to take.
Opportunity for a higher pension income
Because you will invest (part of) your pension capital, you have a chance of achieving a return and therefore a higher pension income in the subsequent year. It may also be lower if things go less well. The larger the proportion you invest, the greater the risk of fluctuations in your pension income.
Certainty with respect to your pension income one year at a time
The pension income from the part you invest is determined each year on the basis of the investment results in the previous year. So you always know exactly what you will receive in pension income in the coming year.
What choices can you make?
You can adjust your retirement income to your wishes and situation. For example, do you want to postpone your pension until you have reached the state pension age? Or do you want a higher pension in the first years? Below you will find a brief explanation of the different choices.
1. Retire when?
Maybe you are going to work longer and don't need the income yet. Or do you want to start receiving your retirement income at the same time as your state pension. If you want to stop working before your pension starts, you can also bring your pension forward. If you want to retire at a later date, your pension can be postponed. Make sure to communicate your choice before your pension capital is released.
Bringing your pension forward
Bringing your pension forward: investment risk increases
If you choose to bring your pension forward, your expected monthly retirement income will be reduced.
Bringing your pension forward: investment risk increases If you choose to bring your pension forward, your expected monthly retirement income will be reduced. Additionally, the investment risk gets higher. You invest in a lifecycle. This means that your investment risk is reduced as your retirement date approaches. If you decide to take your pension earlier, your investment mix will not be adjusted accordingly. The allocation to the investment funds in HorizonBeleggen and ProfielBeleggen is always based on the allocation according to your original standard retirement date. Your investment risk will not be reduced accordingly. Therefore, if you bring your pension forward, your investment risk will be higher than if you start receiving your retirement income on your standard retirement date. You can check the allocation to the investment funds here.
2. Partner's pension, yes or no?
Do you have a partner? If you do, you can choose to ensure that your partner receives a lifelong pension upon your death. Your partner can receive up to 70% of your pension. You don’t have a partner or your partner has an income of his or her own? In that case you can choose not to take a partner’s pension and receive a higher retirement income yourself. Your partner must, however, agree to this choice.
Partner's pension fully exchanged
3. A higher income at the start (fixed reduction)
With the Zwitserleven Variabel Pensioen and a higher pension income at the start, we already increase your pension income at the start by part of the expected investment return. We set a percentage for this when your pension comes into payment. This is known as a fixed reduction. This way, we take account of your expected investment results. This means that your pension income will decrease each year if there is no or not enough investment result.
If your investment result is as good as we expect, your pension will remain more or less the same for the year. If your investment result is better than expected, your pension will increase. And if your investment result is worse than expected, your pension will decrease. The risk of receiving the same or a lower pension income is greater if you choose a higher pension income at the start.
You always need personal advice
Zwitserleven Variabel Pensioen means your pension income is specific to you. You may only arrange this pension with the help of a financial adviser. They can answer your questions and give you independent advice on a pension income that suits you.
How does it work?
From 6 months before your retirement date, you can make choices for your pension income in MijnZwitserleven. We will notify you at the time.
You discuss your choices with your own adviser. They will complete a risk profile test with you to see if the pension you have chosen is appropriate for your financial situation. Your adviser will then request a quote from us.
If you have signed and returned the final quote before your retirement date, you will receive your first pension income from your Zwitserleven Variabel Pensioen within one month of your retirement date.
Zwitserleven believes that the financial sector should take a leading role in making the world a more sustainable place. The Zwitserleven Variabel Pensioen is a product that promotes the sustainability characteristics 'ecological' and 'social'. This is due to the choice of investment funds in the variable part of your pension. In addition, the investment policy of these funds takes account of sustainability risks.
The investment mix of Zwitserleven Variabel Pensioen consists of the following funds:
All documents are in Dutch at the moment.