Investing for your pension: this is how it works
Investing for your pension: this is how it works
When you worked, you and your employer contributed money towards your pension. We invested that money. We will continue to do so, under the new pension rules as well. This way, you can count on a good pension.
Our main task is to ensure that you receive a good pension. Of every 100 euros you receive, 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.
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.
No more coverage ratio
Right now, the coverage ratio is important. It determines whether we can increase the pensions. If the coverage ratio is very low, we might even have to reduce pensions. Under the new scheme, there will no longer be a coverage ratio, but you will have your own pension pot. You will receive your monthly pension from this. It will also contain the return on investments.
Age
The new scheme will allow us to take age into account better. For example, we will take less risk for you. After all, your pension is your income. Investments can still fail. But under the new scheme, there are additional measures 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 worked, you and your employer contributed money towards your pension. We invested that money. We will continue to do so, under the new pension rules as well. This way, you can count on a good pension.
Our main task is to ensure that you receive a good pension. Of every 100 euros you receive, 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.
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.
No more coverage ratio
Right now, the coverage ratio is important. It determines whether we can increase the pensions. If the coverage ratio is very low, we might even have to reduce pensions. Under the new scheme, there will no longer be a coverage ratio, but you will have your own pension pot. You will receive your monthly pension from this. It will also contain the return on investments.
Age
The new scheme will allow us to take age into account better. For example, we will take less risk for you. After all, your pension is your income. Investments can still fail. But under the new scheme, there are additional measures 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.’
