With the HorizonBeleggen investment form, you do not have to worry about your investments. We invest for you using a lifecycle.
Investing in a lifecycle
A lifecycle is a certain mix of investments. In the composition of your investments, we ensure that the investment risk is reduced as you approach your retirement date. This means that we change the mix of funds so that the investment risk decreases.
You don't have to do anything
Based on your age and the number of years remaining until your retirement date, we invest in a mix of shares, property shares and corporate and government bonds. Your mix of investments is automatically adjusted each year. You do not need to do anything yourself.
With the lifecycle model, you have the opportunity of a good return, while your investment risk is gradually reduced. Your retirement date is the horizon for your investments. In our pension schemes, we integrate sustainability risks into our investment decisions
We are adjusting the lifecycles in our HorizonBeleggen investment form in November 2022. We do this to ensure the quality and performance of the lifecycles.
The changes at a glance:
- Expansion of the lifecycle with microfinance, mortgages and Ultra Long Duration Fund
- Reducing investment risk HorizonBeleggen
This will change the reduction of investment risk
In the investment form HorizonBeleggen, we invest for you in the lifecycle with profile Neutral. After the adjustment of the lifecycle, we start reducing the investment risk 12 years before your retirement date. This was 15 years before your retirement date.
Asset mix based on lifecycle model
If your retirement age is still far away, it is important to take advantage of the opportunity for a good return. While the risks to be taken remain justified. Therefore, in this phase of the lifecycle, we invest in a mix largely consisting of shares.
As your standard retirement date approaches, we ensure that your asset mix is invested at a lower risk. You do not need to take any action to reduce the investment risks. We will take care of any necessary adjustments.
Just before the standard retirement date, the asset mix will largely consist of fixed-income securities, including bonds. For this purpose, we use the Zwitserleven Medium Duration Fund and the Zwitserleven Long Duration Fund.
Final phase of your pension accrual
The final phase of your pension accrual may require additional explanation. You build up a pension capital by investing. With this you buy a pension income on your retirement date. The amount of capital not only determines the amount of your pension income. The level of the pension rate at that time is also important. If we say that your investment mix is becoming less risky, we mainly look at the level of the pension benefit you receive and not at the level of the accrued capital. We therefore also take the pension rate into account.