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Dear employer,
The law was amended last year. Your employees now have more options to steer the development of their retirement pension. In response to this, we will be updating our Life Cycles as of 1 February. This newsletter tells you what will change and how we will help your employees make an informed choice.
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Opting for a fixed or a variable pension
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When your employees retire, they determine for themselves from which pension insurer they will purchase their pension. The new legislation now allows them to choose between fixed or variable pension benefits. What is the difference?
- Fixed benefit: employees use their pension capital to purchase a fixed pension benefit for the rest of their retirement years. The amount of the benefit does not change afterwards. Hence the term 'fixed'.
- Variable benefit: as from their retirement date, your employees use part of their pension capital to purchase a pension benefit for a period of one year. The rest of the pension capital continues to be invested. As a result, the amount of the pension benefit may change every year, depending on the returns on investment. Hence the term 'variable'.
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The choice on the retirement date defines today´s investment route
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Your employees do not make a definitive choice between a fixed or variable pension benefit until they actually retire. However, under the new legislation they can match today's pension accrual to the choice they will be making later. This ensures that their pension will develop in a way suitable to the individual employee.
- Pension accrual aimed at a fixed pension: the investment risk is gradually reduced as the retirement date approaches. This gives certainty.
- Pension accrual aimed at a variable pension: the risk is reduced less quickly, as these employees will continue to invest after their retirement date. This increases the chances of a higher pension.
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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. In order to help your employees make the right choice, we introduce the new profile guide. It allows your employees to discover in a matter of minutes what their investment profile is. They can then inform us of their investment choice with a few mouse clicks. We will be informing your employees about this by early January at the latest.
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We will be updating our Life Cycles
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To properly organise the new choice for your employees, we will be making a number of changes to our Life Cycles. The new Life Cycles will apply as of 1 February 2018. The following changes will be implemented:
- The new offensive Life Cycle will match variable pension benefits. As a result, we will be investing more and longer in marketable securities from 1 February on. This ensures that the investment mix is more in line with the variable benefit products your employees can purchase on their retirement date. The new neutral and defensive Life Cycles will match fixed pension benefits.
- All Life Cycles will see some shifts between investment categories. We expect that these adjustments in the investment mix will, on average, yield higher pensions on the retirement date.
- We will also be adjusting the age cohorts of the neutral and offensive Life Cycles to increase the chances of a good pension for your employees. The investments of your employees will involve more risks for a slightly longer period of time.
If applicable we will amend the administration agreement and the pension regulations to suit these changes to the Life Cycles. You will receive a new version as soon as the amendments have been incorporated.
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Costs of adjusting Life Cycles
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On 1 February, we will adjust the investments to reflect the investment mix of the new Life Cycles. We will charge purchase and sales costs for this. We will try to keep these costs as low as possible by netting the transactions for your employees. The purchase and sales costs are expected to amount to 0.05% of your individual employee's pension capital. We will offset these costs against the value of the investments. Moreover, the age cohort of your individual employee may change. We will charge the usual purchase and sales costs for this.
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Do you have any questions?
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Please call us at +31 (0)50 522 50 70. You can reach us Monday to Friday from 9 am to 5 pm. Alternatively, you can send an e-mail to werkgever@cappital.com. Please have your employer number ready when you call or refer to this number in your e-mails. You will find this number in Cappital's letters at ‘Our reference’. This will help us serve you better.
Kind regards,
Marleen Lemmens
Director Cappital Premiepensioeninstelling B.V.
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