Zwitserleven Life Cycle Model has improved

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Under HorizonBeleggen and ProfielBeleggen, an asset mix is used reflecting equities, property, corporate bonds and government bonds. Zwitserleven determines the individual mix of your investments based on a Life Cycle Model. This Life Cycle Model has been improved to increase your chances of adequate returns.

New in the Life Cycle Model

Together with an independent adviser, we reviewed the Life Cycle Model. We found that the model could be optimised by adding slightly more risk and applying a better risk reduction schedule. The result is an improved Life Cycle Model that increases your chance of receiving a higher pension.
What has not changed?
The investment funds in the Life Cycle Model have not changed. Consequently, the fund fees have on average remained the same. However, as different employees have different asset mixes, the fund fees may change at an individual level.

Purely for later

You pay us pension contributions each month. We invest these contributions in companies that adopt responsible business practices as we believe they are better prepared for the future and therefore generate better returns. But that is not all. Through our investments, we hope to contribute to a better world - a world that is still beautiful when you retire.


The differences between the newly-improved life cycle and its predecessor will become clear when comparing these brochures.