An investment pension or a guaranteed pension?

Your employer pays a monthly contribution towards your pension. Your employer determines whether he pays the entire contribution or if you should also pay a part. What happens with your contribution depends on the choices made by your employer.

Your options

When you start the Personal Pension Plan, you build up (accrue) pension by investing. We call this your investment pension. If your employer has given you the option to choose a guaranteed pension, you can use (part of) your contributions for a guaranteed pension. You can also convert (part of) you investment pension value into a guaranteed pension.

So depending on the choices made by your employer there are two possibilities:

  1. An investment pension
  2. An investment pension and/or purchasing a guaranteed pension.

Delta Lloyd maakt gebruik van cookies

Om toegang te krijgen tot deze omgeving dient u akkoord te gaan met het plaatsen van cookies.

In ons privacy statement leest u waarom wij cookies gebruiken. Cookies helpen Delta Lloyd om de website te verbeteren en het gebruiksgemak te verhogen.

Als u op akkoord klikt, geeft u toestemming voor het plaatsen van cookies. Hierna kunt u gebruik maken van alle onderdelen van deze website.

An investment pension

We invest the contributions towards your pension by default using the so-called Lifecycle method. Lifecycle investing includes lowering the risks of the investments as you get closer to the retirement date. The idea is that if you are about to retire, you also prefer more certainty about the amount of your pension. If your retirement date is still far in the future, you have more time to compensate for any setbacks. Therefore it is wise to take a little more risk during this early phase with the aim to obtain a higher return. Depending on the choices made by your employer, you can choose to invest in a different way by taking more or less risks.

Advantages of investing Disadvantages of investing
It is possible that the return on the investments is higher than expected. Your final pension will then be higher than expected. The amount of pension that you will receive is uncertain. If the returns are lower than expected, your final pension will also be lower than expected.
Depending on the choices made by your employer, you can modify your investments to suit your personal situation.

Information about Rates and Funds (Dutch only).

An investment pension and/or purchasing a guaranteed pension

By default, we invest your contribution using the Neutral Lifecycle. Once a year you can determine whether you want to build up (accrue) a guaranteed pension in addition to investing.

Using your contribution for a guaranteed pension

Once a year you can use (part of) your contribution for a guaranteed pension. You can indicate this using the pension planner in Pension Services Online. You can then re-distribute your contribution every year. Your choice remains the same until you make any changes.

Converting the value of your investment pension into a guaranteed pension

Every year, in addition to converting the contribution, you can also choose to convert (part of) the value of your investment pension into a guarantee pension. You can indicate this using the pension planner in Pension Services Online. You will then have to confirm your choice yearly.

Advantages of a guaranteed pension Disadvantages of a guaranteed pension
Clarity about the pension income; you know the amount of pension you will receive. You cannot take advantage of any profits on your investments. Your final pension will then be lower.
You decide whether you prefer a guaranteed pension and you determine the amount. The amount of your pension is fixed. Inflation, and the fact that the value of money therefore decreases, will not be taken into account. This means that when you retire later on, you will not be able to buy as much with your pension as you might expect now.
You can no longer convert the guaranteed pension into an investment pension.

Delta Lloyd maakt gebruik van cookies

Om toegang te krijgen tot deze omgeving dient u akkoord te gaan met het plaatsen van cookies.

In ons privacy statement leest u waarom wij cookies gebruiken. Cookies helpen Delta Lloyd om de website te verbeteren en het gebruiksgemak te verhogen.

Als u op akkoord klikt, geeft u toestemming voor het plaatsen van cookies. Hierna kunt u gebruik maken van alle onderdelen van deze website.

Delta Lloyd maakt gebruik van cookies

Op onze websites maken wij gebruik van cookies en vergelijkbare technieken om onze websites te verbeteren en gebruikersvriendelijker te maken, social media aan te bieden en relevante advertenties te kunnen tonen.

Meer informatie.

Gaat u akkoord met het plaatsen van cookies?