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| Opting for a fixed or a variable pension |
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When your employees retire, they will be able to choose between a fixed or a variable pension.
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Fixed pension. A fixed pension stands for certainty. Employees who opt for this type of pension, purchase a pension payment for the rest of their retirement years all at once. They know exactly how much pension they will receive every month.
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Variable pension. We continue to invest part of the pension capital after the retirement date. This causes the amount of the monthly pension payment to vary each year. Though a variable pension offers less certainty, it is expected to yield more.
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| The choice on retirement date defines today´s investment route |
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Your employees choose a fixed or variable pension on their retirement date. Still, it makes sense for them to take into account now the choice they will make then. This allows them to steer the development of their investments.
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Steering towards a fixed pension. The investment risk is gradually reduced as the retirement date approaches. This gives certainty.
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Steering towards a variable pension. The risk is reduced less quickly. After all, part of the pension capital continues to be invested after the retirement date. This increases the chances of a higher pension.
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We are adjusting the Offensive Life Cycle
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With Life Cycle investments your employees determine their investment profile and choose one of the three Life Cycles. The Defensive and Neutral Life Cycles are aimed at a fixed pension. The Offensive Life Cycle is aimed at a variable pension. This is why we will adjust the Offensive Life Cycle.
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| We help your employees make an informed choice using the profile guide |
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Fixed or variable - it is a highly personal choice. Not everyone is willing to take much risk with their pension. In order to help your employees to make a choice we introduce the new profile guide. Your employees will know in just five minutes:
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How much investment risk they are able to take. We determine this based on their financial situation.
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How much risk they are willing to take. We call this your employees' risk appetite.
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Their preference for a fixed or variable pension.
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Your employees inform us of their investment choice via the profile guide.
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| We will inform your employees in August |
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In late August we will inform your employees about the new options.
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Personal Pension gives your employees a grip on their financial situation
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The new option forces your employees to actively consider their current and future financial situations.
In order to support them we offer Personal Pension. More information? Then contact your adviser or your contact at Aegon.
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| Contact your adviser |
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We can imagine you would like to properly inform your employees about the choice between a fixed and a variable pension. Your adviser will be happy to help. Would you like more information now? Please contact your adviser.
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| Do you have an administrative question? |
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Please call us at +31 (0)50 582 19 14. You can reach us Monday to Friday from 9 am to 5 pm. Alternatively, you can send an e-mail to werkgever@aegonppi.nl. You can also contact your adviser, of course.
Kind regards,
Martin Spaans
Manager Customer Services
Aegon PPI
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