Our pension solutions
Together with you as a pensions adviser, we offer employers pension solutions that fit their organisation and match their needs and requirements. We give an employer the option to choose between different schemes and additional components. In addition, the employer is able to view its data 24/7 via the employer portal and, for example, report changes.
The employees have options as well, as they are given more and more responsibility for handling their own pension. For example, they can make their own choices within a pension scheme and view their personal pension information 24/7 through their pension portal and via our Pension app.
Employers put together their own pension scheme
Our collective pension scheme consists of several building blocks. These include a scale of accrual, investment options they wish to offer their employees, risks the employer wants to insure and the option to offer a net pension scheme. As a pensions adviser, you can provide employers with appropriate advice.
Defined Contribution Scheme
In this type of scheme, the contribution is fixed but the result (the pension benefit) is not. This makes it easy for employers to keep better control of pension scheme costs. When determining the monthly contribution, we look at the participant's age. We deposit the available premium into an investment account in the participant's name. We invest the premium through our lifecycle investments.
Within the defined contribution scheme, we offer 2 collective pension schemes: the gross pension scheme and the net pension scheme.
Gross pension scheme
This scheme is intended for employees who accrue pension on their pensionable salary and up to the cap (the maximum gross salary) of € 137,800.- (2024).
Net pension scheme
For employees who want to accrue pension on the part of the salary that exceeds the cap of € 137,800.- (2024). The survivor’s pension and the waiver of contributions in the event of disability for work that exceed this cap are also insured under this pension scheme by default.
Variable pension
During the accrual phase, an employee may provisionally choose a Variable Pension. We will then adjust the investments to Lifecycle Variable Pension. The advantage of this is that they will have a chance of getting higher returns. The participant can adjust their choice at any time until their retirement date. We do not charge extra for this.
If the participant retires, they will make a final choice: a Variable Pension with Centraal Beheer PPI or a fixed or variable pension with another pension provider.
Read more about Variable Pension with Centraal Beheer PPI here.