We invest for the long term and spread the risks

We focus on the long term when investing. Meanwhile, we constantly monitor developments. This prepares us for the fact that the value of certain investments can fall, as we are seeing now. We invest in different countries, in different sectors and in different types of investments.

Because we “spread out,” we have limited exposure to price declines. Equities have fallen in value, but other investments, such as government and corporate bonds, have been much less affected by the turmoil.

We are still in good financial shape

Right now, the turmoil in the financial markets has not yet affected your pension. Are you already receiving a pension? Then at the end of this year we will see if your pension can be increased. If prices continue to fall sharply, there is a very small chance that pensions will have to be reduced.

Transition to the new pension

The plan is that we switch to the new pension plan on January 1, 2027. At that time, we will distribute the total fund assets. How much money we can distribute at that time and how we distribute the money depends on the financial situation at that time.

In the new pension scheme, fluctuations in the stock market do not immediately lead to changes in your pension, but we adjust the pensions once a year. If the return is positive, pensions go up. If the return is negative, pensions go down. Spreading the adjustments over three years limits large fluctuations in the pension.