Investing for your pension: this is how it works
Investing for your pension: this is how it works
When you were accruing a pension with PME, you and your employer contributed money towards your pension. We invest that money. This ensures that you can count on a good pension when you retire.
Our main task is to ensure that you receive a good pension. Of every 100 euros of pension you’ll receive later on, an average of 33 euros has been contributed by you and your former employer. And 67 euros comes from the returns we generate through our investments. That’s far more than we could ever achieve through saving alone.
Spreading risks
But isn’t investing risky? What if the stock markets drop? We take this into account by spreading our investments. We not only invest in equity, but also in government bonds, corporate bonds, real estate and infrastructure, for example. We invest in countries, companies, sectors and projects all over the world. That’s how we spread the risks.
Age
One thing that does change under the new scheme is that we will be able to take your age into account better. If you are still young, we will take more risk because that will yield the most over time. If an investment doesn’t do so well, there should be enough time, in principle, to earn that money back. Your pension pot can fluctuate quite a bit during that period. The older you are, the less risk we will take. This will give you more certainty about the amount you will receive when you stop working.
Once you start receiving your pension, we will continue to invest, but we will take fewer risks. There will also be other measures at that point to protect your pension. ●
Would you like to know more?
For example, about our investment policy? Or what we do or do not invest in? Visit pmepensioen.nl/en/investments.
When you were accruing a pension with PME, you and your employer contributed money towards your pension. We invest that money. This ensures that you can count on a good pension when you retire.
Our main task is to ensure that you receive a good pension. Of every 100 euros of pension you’ll receive later on, an average of 33 euros has been contributed by you and your former employer. And 67 euros comes from the returns we generate through our investments. That’s far more than we could ever achieve through saving alone.
Spreading risks
But isn’t investing risky? What if the stock markets drop? We take this into account by spreading our investments. We not only invest in equity, but also in government bonds, corporate bonds, real estate and infrastructure, for example. We invest in countries, companies, sectors and projects all over the world. That’s how we spread the risks.
Age
One thing that does change under the new scheme is that we will be able to take your age into account better. If you are still young, we will take more risk because that will yield the most over time. If an investment doesn’t do so well, there should be enough time, in principle, to earn that money back. Your pension pot can fluctuate quite a bit during that period. The older you are, the less risk we will take. This will give you more certainty about the amount you will receive when you stop working.
Once you start receiving your pension, we will continue to invest, but we will take fewer risks. There will also be other measures at that point to protect your pension. ●
Would you like to know more?
For example, about our investment policy? Or what we do or do not invest in? Visit pmepensioen.nl/en/investments.
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Question for the pension consultant Can I decide how my pension will be invested? ‘No. We will invest everyone’s money together, as a whole, like we are doing now. In doing so, we take into account the preferences of people who have a pension with PME. We will conduct regular research into this, just as we are doing now. You will therefore not have to make any investment choices yourself. We will continue to do this for you.’ |
Question for the pension consultant
JEROEN VAN ZUNDERD
Can I decide how my pension will be invested?
‘No. We will invest everyone’s money together, as a whole, like we are doing now. In doing so, we take into account the preferences of people who have a pension with PME. We will conduct regular research into this, just as we are doing now. You will therefore not have to make any investment choices yourself. We will continue to do this for you.’
