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How do participants accrue a pension?

A pension for the future can be accrued with Robeco PPI. The pension plan that Robeco PPI offers is a defined-contribution scheme. This means that the employer provides premiums with which a pension capital can be accrued. The premiums are based on your age and salary.

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The premiums are invested
Robeco PPI invests the premiums for you according to the LifeCycle principle. This means that your investment risk is reduced as your retirement approaches*. Your chances of attractive returns are greater if you make responsible investments than if you have a savings account only. Evidence from the past shows that long-term investing is more likely to result in higher returns than a savings account.
 
It is possible to deviate from the standard investment mode
If you wish to deviate from the recommended investment portfolio (opting out), you can personally adjust your investment strategy. In this case, Robeco PPI has a statutory duty of care and will check annually whether your investments are still in line with the investment mix that matches your risk profile. If the investment mix falls outside the bandwidths of what is considered responsible, Stichting Robeco PPI will advise you on ways to adapt your portfolio.
 
Retirement
The value of your pension is not known before you retire because it depends on the value of the deposited premiums and the returns on the investments made. The returns on your investments may vary as a result of price gains or losses. Robeco PPI applies the LifeCycle principle to ensure that these risks are kept as low as possible, particularly in the years immediately preceding retirement. 
On retirement, the capital accrued is converted into a regular pension payment. In most cases this will be a retirement pension and a partner pension. You will receive your retirement pension for as long as you live and, if you die leaving a partner, your partner will receive a partner pension, which is generally 70% of your retirement pension. You are free to choose the party who makes the transfer. If you do not make a choice, the regular benefit payments will be made by Generali.
 
Disability and life insurance
Depending on the choices made by your employer, insurance will also be provided for a dependents' and/or a disability pension. Please note: if you leave the company, this insurance will cease, so do ensure that you are fully informed about this.
 
Check your pension status at any time
It is possible to check the value of the pension capital you have accrued via the online portal. Your online file will give you an update of your pension status. The portal also has detailed information about the Smart Pension plan.
 
*) The value of your investments may fluctuate and past performance is no guarantee of future results.
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