Get more out of your pension capital
If your accrued pension capital will be released soon, you will use it to purchase your pension. If you purchase it from Zwitserleven, you can count on an attractive pension income. You can choose a fixed or variable pension income, or a combination of the two.
Kies het pensioen dat bij u past: vast of variabel pensioen
Fixed pension
You will receive the same amount of pension income every month for as long as you live. We will set the amount on your retirement date.
Advantages
- Certainty about the amount of your pension
- High-low benefit structure available
Disadvantages
- Depends on interest rates at the time
- If prices rise, your pension will not rise with them
Variable pension*
You continue to invest using all or part of your pension capital. You decide the ratio of your fixed pension to the amount you will continue to invest.
Advantages
- Chance of a higher pension
- Not dependent on interest rates at one point in time
Disadvantages
- Risk that your pension will be lower
- No certainty about the amount of your pension
* 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 give you independent advice on a pension income that suits you.
Partner's pension, yes or no?
You can choose to ensure that your partner receives a lifelong pension upon your passing. Your partner can receive up to 70% of your pension. If you have no partner or your partner has their own income, you can decide not to purchase a partner’s pension and receive a higher pension income yourself. Your partner must, however, agree to this choice.
Higher pension at the start
Zwitserleven offers the opportunity to start with a higher pension income. How this can be done depends on the choice of fixed or variable pension. If you decide for a Zwitserleven Fixed Pension and for instance you are still making payments for a mortgage, you wish to travel or perhaps cover a period when you will not be receiving state pension, you can take a temporary higher pension income for up to 10 years. The ratio between your higher and lower pension has to be 100:75. In other words, the lower benefit will be at least 75% of the higher benefit. If you decide for a Zwitserleven Variable Pension, you can opt for a fixed reduction. In this case, we increase your pension income at the start with a portion of the expected return on your investments.
Waar heeft u pensioen opgebouwd?
Sample calculation Zwitserleven Fixed Pension pension income
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Invested capital:
€ 100.000 -
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€ 494per month
- Calculate your pension
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€ 497per month
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€ 489per month
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-
€ 484per month
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-
€ 473per month
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-
€ 492per month
The above fixed (gross) retirement incomes were calculated on 07/14/2022, for a man aged 67 (01/01/1955), with a pension capital of €100.000, a level pension and no partner's pension.
How to purchase your pension?
You can put your pension together online or through an adviser.
You will receive a proposal based on your choices.
You receive your pension income.
