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Aegon Asset Management Investment Company (Ireland) Plc is structured as an umbrella type open-ended investment company with variable capital consisting of a number of different sub-funds (“Funds”) and is authorized in Ireland pursuant to European Communities (Undertakings for Collective Investment in Transferable Securities) UCITS Regulations and the Central Bank UCITS Regulations (“UCITS Regulations"). Aegon Asset Management Europe ICAV is structured as an umbrella type open-ended investment ICAV with variable capital consisting of Funds and is authorized in Ireland as a UCITS pursuant to the UCITS Regulations.
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You can get the current prospectuses, accounts, important information for investors and fund prices at https://www.fundinfo.com. Please click the accept button and select the county in which you live and identify yourself as a private investor.
Risk notice - Capital risk. The value of investments can go down as well as up and is not guaranteed.
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You can get the current prospectuses, accounts, important information for investors and fund prices at https://www.fundinfo.com. Please click the accept button and select the county in which you live and identify yourself as a private investor.
Risk notice - Capital risk. The value of investments can go down as well as up and is not guaranteed.
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You can get the current prospectuses, accounts, important information for investors and fund prices at https://www.fundinfo.com. Please click the accept button and select the county in which you live and identify yourself as a private investor.
Risk notice - Capital risk. The value of investments can go down as well as up and is not guaranteed.
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You can get the current prospectuses, accounts, important information for investors and fund prices at https://www.fundinfo.com. Please click the accept button and select the county in which you live and identify yourself as a private investor.
Risk notice - Capital risk. The value of investments can go down as well as up and is not guaranteed.
This is a marketing communication. Please refer to the Legal documents of the Fund(s), such as the KIID and/or prospectus, before making any final investment decisions.
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You can get the current prospectuses, accounts, important information for investors and fund prices at https://www.fundinfo.com. Please click the accept button and select the county in which you live and identify yourself as a private investor.
Risk notice - Capital risk. The value of investments can go down as well as up and is not guaranteed.
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We helpen u graag met informatie over de Wet toekomst pensioenen (Wtp) en de gevolgen daarvan voor het beleggingsbeleid.
In onderstaande artikelen en webinars komen diverse onderwerpen aan bod, waaronder: de nieuwe pensioenregelingen SPR en FPR, lifecycle-beleggen en maatschappelijk verantwoord beleggen.
Wat betekent de wet voor pensioenfondsen?
De belangrijkste verandering als gevolg van de nieuwe pensioenwet is dat er straks twee nieuwe pensioenregelingen komen: de solidaire premieregeling (SPR) en de flexibele premieregeling (FPR). Tegelijkertijd zullen uitkeringsregelingen verdwijnen, in ieder geval voor nieuwe opbouw. Dit betekent het einde van de dekkingsgraad en het ‘vereist eigen vermogen’. Voor pensioenfondsen betekent dit dat ze een keuze moeten maken welke regeling ze gaan voeren; of (en hoe) ze gaan invaren en welk beleggingsbeleid ze gaan voeren in de nieuwe regeling.
Solidaire premieregeling
Binnen de solidaire premieregeling wordt gewerkt met een collectieve beleggingsportefeuille. Het rendement wordt echter toegedeeld op basis van een ‘impliciete’ lifecycle. Die bepaalt in hoeverre elk leeftijdscohort participeert in het beschermingsrendement (renteafdekking) en het overrendement. De impliciete lifecycle vormt de basis voor het beleggingsbeleid binnen de SPR. De collectieve portefeuille bestaat uit de optelling van alle leeftijdscohorten van de lifecycle. Daarbinnen dient zowel de invulling van de renteafdekking als de invulling van de overrendementsportefeuille verder te worden uitgewerkt. Daarnaast is er een solidariteitsreserve, deze kan ingezet worden om bijvoorbeeld dalingen in de uitkeringen te voorkomen.
Flexibele premieregeling
De flexibele premieregeling is grotendeels gelijk aan de bestaande verbeterde premieregeling. Maar, er komt voor verplicht gestelde bedrijfstak- en beroepspensioenfondsen onder andere de mogelijkheid om een risicodelings-reserve toe te voegen. Hierdoor kunnen sommige risico’s beter worden gespreid. Daarnaast zal de introductie van een ‘vlakke premiestaffel’, ofwel gelijke, leeftijdsonafhankelijke premies, mogelijk impact hebben op het gewenste beleggingsbeleid. Grote voordelen van de flexibele premieregelingen zijn de relatieve eenvoud (transparantie) en de mogelijkheid om keuzevrijheid te bieden aan de deelnemers.
Onze experts over het nieuwe pensioenstelsel
De Wet toekomst pensioenen is officieel aangenomen. Pensioenfondsen hebben tot 2028 de tijd om zich voor te bereiden op het nieuwe stelsel.
Onze experts Gosse Alserda en Jenze Sibma leggen in deze video kort uit wat er voor die tijd nog moet gebeuren en hoe beleggingsportefeuilles geconstrueerd worden in het nieuwe pensioenstelsel. Maar ook hoe duurzaam beleggen terug komt in het nieuwe pensioenstelsel en wat Aegon Asset Management voor pensioenfondsen kan betekenen.
Transitie naar het nieuwe stelsel
Zodra duidelijk is welke regeling een pensioenfonds kiest en hoe deze op hoofdlijnen wordt ingericht, kan nagedacht worden over de transitie naar de gekozen regeling. Een belangrijke afweging is of huidige rechten worden ingevaren en zo ja, welke methode hiervoor wordt gekozen. Daarnaast zal er een plan gemaakt moeten worden hoe de beleggingen worden omgezet naar het nieuwe beleggingsbeleid. Hierbij moet rekening gehouden worden met de liquiditeit van de beleggingen, de risico’s in de transitiefase en de aansluiting bij de toedelingsfactoren in de nieuwe regeling.
Dat Wtp gevolgen heeft voor het beleggingsbeleid van pensioenfondsen is niemand ontgaan. In onze webinarserie 'Beleggingen & Wet toekomst pensioenen' gaan we dieper in op een aantal belangrijke onderwerpen.
Bekijk rechts het eerste webinar van de serie, waar we praten over hoe de beleggingscyclus verandert doordat uw fonds overstapt naar het nieuwe pensioenstelsel en waar de verschillen zitten tussen SPR en FPR.
Uw fiduciaire partner voor Wet toekomst pensioenen
Met meer dan 35 jaar ervaring en voortkomend uit een pensioenfonds is Aegon Asset Management de uitgelezen fiduciaire partner, ook bij de overgang naar de Wet toekomst pensioenen.