Compose your own pension scheme
As the employer, you can choose from various schemes and additional components with us. Together with your pension adviser, we will find the right pension solution for your organisation. In this respect, we also take into account that the individual is bearing an increasing responsibility for their retirement.
For example, your employee may make their own choices within the pension scheme. They can inspect their pension information through their pension portal and our Pension app 24/7.
Compose your own pension scheme
Our collective pension scheme consists of several building blocks. These include a scale of accrual, investment options you want to offer your employers, risk you want to insure and the option to offer a net pension scheme. You choose the building blocks that are a good fit for your organisation. You pension adviser can provide you with a suitable advice.
Defined Contribution Scheme
In this type of scheme, the contribution is fixed but the result (the pension benefit) is not. As an employer, you keep a better grip on the costs of the pension scheme. When determining the monthly contribution, we look at the participant's age. We deposit the defined contribution in an investment account in the name of the participant and we invest the contribution 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
This scheme is intended 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 can make a provisional choice for Variable Pension. We then adjust the investments in accordance with the Lifecycle Variable Pension. The advantage is that they will have a chance of getting higher returns. The disadvantage is that the return may also be disappointing. The participant can change their choice at any time until their retirement date. We do not charge any extra costs 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 administrator.
Click here for more information about Variable Pension.