Choose your investment choice
Your employer pays a monthly contribution towards your pension. Aegon invests this contribution for you, so you accrue a pension capital. You use this to purchase a lifelong pension on your retirement date.
Aegon offers two pension investment options:
- Life Cycle investments. Aegon makes investments on your behalf.
- Vrij beleggen (Free investments): You decide how to invest, making a selection of the investment funds proposed by Aegon.
You may use (part of) the contribution for a guaranteed pension. This is the Garantpensioen. It gives you certainty about the amount of your benefit after your retirement date.
You determine how we are to invest your pension.
We could invest everyone's pension in the same way. But there are some who prefer certainty, while others are quite willing to take a little extra risk. This is why we let you decide how you want us to make your pension capital grow. You do this by making your pension choice and telling us how to invest on your behalf.
Register your pension choice today by means of the profile guide
How do you decide what is best for you? The profile guide will help you. You answer a few questions and discover your investment profile. You can then inform us of your investment choice with a few mouse clicks.
When do you need to make your investment choice?
When you become a participant in our pension scheme we ask you to determine your investment profile and to inform us of your investment choice. If you do not inform us of your investment choice, we will invest your pension capital according to the neutral Life Cycle. It means you aim for a fixed pension.
You can adjust your investment choice at any moment. Does your personal situation change, for instance if you are getting divorced, or if you decide to work more or fewer hours? Then we would advise you to review your investment choice.
Overview of the differences
|What is it?||You receive the same monthly amount for the rest of your life.||You receive a monthly amount that changes every year for the rest of your life.|
|How does it work?||Upon retirement you use your entire pension capital to purchase a pension. You receive the same monthly amount for the rest of your life. How much that is depends on several factors, including the interest rates on your retirement date. The higher the interest rate, the higher your monthly pension. The lower the interest rate, the lower your monthly pension.||
Upon retirement you use part of your pension capital to purchase a pension for that particular year. The rest of your pension capital continues to be invested. This allows your pension capital to continue to grow. Your monthly pension is determined at the start of each year. With Aegon that depends on:
|Upon retirement you are 100% sure how much you will receive every month.||You continue to invest after retirement. This increases your chances of a higher pension.|
|Cons||If interest rates are low on your retirement date, your pension will be relatively low.||The amount of your pension changes every year. You will get more in some years and less in others.|
|Bij Aegon||At Aegon we refer to the fixed pension as the Uitkerend Garantiepensioen.||At Aegon we refer to the variable pension as the Uitkerend Beleggingspensioen.|