With the VrijBeleggen investment form, you are personally responsible for the composition of the investments. We determine your investor profile on the basis of the questionnaire you complete.
You may deviate from your investor profile when selecting your investments. You reduce the risk of the investments yourself. Once a year we will send you information about your investments. Each year, Zwitserleven compares the risk spread of your investments with the risk spread associated with your investor profile and the term to your standard retirement date.
You decide how you invest.
You can invest in several funds. Including all the Zwitserleven funds, iShares funds and the ASN funds. You can give your own online orders to make adjustments to your investment portfolio. If you want to change the risk of your investments, you can change the asset mix. The risk will not automatically be reduced as you approach the standard retirement date.
Your investor profile will give you some guidance in composing the investment mix. For example, if you have a defensive investor profile, we recommend that you invest less in equity funds. At least once a year, Zwitserleven compares the risk spread of your investments with the risk spread associated with your investor profile and the term to your standard retirement date. We will obviously let you know, so you can decide for yourself whether or not you want to make any adjustments. Or you could first redefine your investor profile by filling in the questionnaire again.
VrijBeleggen is not for everyone. For VrijBeleggen, you need to have experience in and knowledge of investing. Participants of the VrijBeleggen scheme are personally responsible and must make their own autonomous choices. Zwitserleven does not advise participants. You can, of course, always seek the advice from an adviser. When investing, it is important to keep up to date about the current economic situation. Therefore, it is very important that you know where to find the information to make the investment decisions.
Extra investment opportunities Zwitserleven Nu Pensioen.
In the Zwitserleven Nu Pensioen you can choose a Variable Interest. It offers you an interest rate linked to Dutch government bonds with a term of 3 to 5 years. You can always switch your money back to a fund, free of charge.
Investing with pension money is always risky! The pension is not guaranteed. This applies to all investment forms.