Variable Pension Advice
We will effect a variable pension benefit only on the basis of advice by a certified pensions adviser.
Why independent advice?
Variable Pension is a high-risk financial product. A variable benefit is enticing, because it often starts off higher than a fixed pension. But if the return on investment is disappointing or the interest rate falls, the variable benefit can also fall below a fixed pension.
A client must be able to determine whether a variable pension benefit is suitable for their situation. That is why they are required to seek advice.
Information on Variable Pension for the adviser
We would like to tell you more about Variable Pension so that you can properly advise your clients.
More information on Variable Pension:
- More on Variable Pension can be found on this page
- Read the General Terms and Conditions
- Download the 'Objective, target group and distribution of Variable Pension' brochure
Conclude a cooperation agreement
If you would like to advise your clients on Centraal Beheer PPI's Variable Pension, please conclude a cooperation agreement with us.
If you have any questions about this, you can contact us on:
How to request an offer
- Perform a calculation using 'Calculate the variable pension benefit'
- Layer 1 & 2 can be downloaded directly from the calculation tool
- Discuss the calculation with your client
- Send us the Application form if the client is interested
- You will then receive an offer from us
Client acceptance process
Once we have received a signed offer, we will start a client acceptance process:
- We will verify the details of your client
- If your client is not yet a client of Centraal Beheer PPI, they will have to provide identification
- We will send them an invite to do so
- Your client must make an identification appointment
- Once the client acceptance process has been completed, we will send you a registration number
The client acceptance process may take several weeks.
Implementation
- If the client has not accrued any pension capital with us, we will wait until the transfer of accrued pension entitlements has been completed
- If everything is ready before the 5th day of the month in which the pension commences, the benefit can be paid that same month. If not, we will pay out the pension for the first month in the second month
- The client will have access to a pension portal, in which they can track the value development of the invested capital
- Shortly before the pension commences, we will send a final calculation of the pension we will be paying out for the remainder of the year.