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Investments results: everything is centred around the interest rate!
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On the European capital markets the decrease of the interest rate has continued undiminished in the first half year. This interest decrease has led to very good results on bond investments. Especially older participants gained a high yield because just before the retirement date a large amount is invested in bonds. This yield is desperately needed. The return compensates the considerable cost increase of purchasing a pension benefit.
In this newsletter you will find the investment results of the first half year of 2016.
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| Investments results |
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Years until your retirement date |
>21 year |
20-16 year |
15-11 year |
10-9 year |
8-7 year |
6-5 year |
4-3 year |
2-0 year |
Offensive Life Cycle |
0,7% |
1,0% |
1,5% |
5,7% |
5,8% |
8,6% |
8,6% |
11,4% |
Neutral Life Cycle |
1,0% |
1,5% |
5,7% |
5,8% |
8,6% |
8,6% |
11.4% |
11.4% |
Defensive Life Cycle |
1,5% |
5,7% |
5,8% |
8,6% |
8,6% |
11.4% |
11.4% |
11.5% |
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| Main developments |
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Due to the ECB policy the 30 year SWAP interest decreases from 1.6% (start of the year) to 0.9% (end of June). The interest on German State loans are even negative at the end of June.
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Especially bond investments (combined with interest rate hedging) have profited from the interest decrease.
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Due to the decrease of the interest the costs of pension purchase increase with almost 8 % for a participant.
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The MSCI world stock index (measured in euros) obtained a yield of -0.5% in the first half year. The Life Cycle cohorts with a long-term investment horizon (with relatively many stock investments) have, again, performed well compared with the MSCI.
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In stock investments there are huge differences between regions. American stocks increase with 3.2% in the first half year. European and Japanese stocks perform less well: respectively -7.2% and - 19.5% in the first half year.
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| Explanation regarding investment results |
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Through the link below you will find the presentation regarding the investment results 2016. The next webinar with explanation on the investment results takes place mid-October (investment results first nine months 2016).
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New Life Cycles
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Aegon PPI renews the Pension Subscription. With this renewed Pension Subscription there are new Life Cycles. These Life Cycles offer:
• Gradual annual decrease of the risk profile (instead of in 7 steps)
• Neutral profile as default profile (instead of defensive)
More information on the new Life Cycles can be found through the link below. On the renewed website of Aegon PPI site you will soon find the yield of the new Life Cycles.
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| Any questions or comments? |
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Do you have any questions or comments on this newsletter? Please contact the Desk account management of Aegon PPI at phone number (070) 344 50 25 or send an email to ppi@aegon.nl. You can also contact your account manager.
Yours sincerely,
Bas Endlich
Commercial manager
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Aegon Nederland N.V., Aegonplein 50, Postbus 202, 2501 CE Den Haag, KvK Haaglanden 27111251.
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