What is VrijBeleggen?

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With VrijBeleggen, you are personally responsible for the investment composition. Zwitserleven determines the investor profile, based on the completed questionnaire, but you can change the investments at any time. You are also responsible for decreasing the level of investment risk over time. Every year, Zwitserleven informs you whether the investments match the investor profile and the time remaining until your retirement date.

What does VrijBeleggen mean for you?

  • Determine a personalized investor profile online
  • Annual assessment of the investments
  • Ample choice of investment funds
  • Ability to opt for the RendementsGarantie


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You determine how to invest

With VrijBeleggen, you can choose between Zwitserleven-, iShares and ASN funds. You can adjust the investment portfolio by placing orders online. If you want to change the level of investment risk, you will have to change the investment allocation. The level of investment risk is not automatically reduced as the retirement date approaches.

The investor profile gives you a guideline for the investment allocation. If you have a Moderately Conservative profile, for example, you should invest less in equity funds. Zwitserleven assesses the investments against the investor profile at least once a year. We inform you, and you can then decide to change the investments.

With VrijBeleggen, you need to pay attention to price changes that could affect the final pension benefit. This option is especially interesting for anyone who has some knowledge of investing and like to follow the stock markets. VrijBeleggen means that you determine how to invest.


With VrijBeleggen, you can also opt for a guaranteed return, the RendementsGarantie. This type of guarantee is based on the yield of Dutch government bonds. Every year, you receive a minimum return of 1%, but the return can also be higher than 1%. You receive a guaranteed minimum return after selecting this option until the retirement date. A guaranteed return seems nice, but please note that investments that are too conservative can result in lower returns and reduce the amount of actual pension benefits after retirement.

Please NOTE:

Investing pension money does always bear risk! The pension is not guaranteed. This applies to all forms of investments.