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How does Pensioenfonds PGB invest?

When we invest, we take into account the desires of our participants.

The PGB pension fund feels it is important that how we invest fit in with the desires of the participants. This is why we regularly inquire as to how our participants feel about investing and the risks that go with it.

Our participants want...
- to take slightly more risk with the chance of a higher pension.
- to be certain of a minimal amount of pension. 
- a greater chance of a small decrease rather than a smaller chance of a large decrease.

Average Salary Scheme
How we invest is linked to the coverage ratio. With a low coverage ratio, we take less risks than with a higher coverage ratio. With (really) high coverage ratios, we take even less risks. Unfortunately, we cannot guarantee a minimal amount of pension. Investing in this way, however, we are doing our best to ensure just that.

Depending on the amount of the coverage ratio, the distribution over the investment categories looks like this:
- 40 to 60% of the capital is invested with a low risk (such as government loans).
- 40 to 60% of the capital is invested with a higher risk (such as shares).

We also make use of so-called stress scenarios, studying developments in the global economy.

Available contribution scheme
How we invest is linked to the age of the participants. The older the participant is, the fewer risks we take. This is called a life cycle.

The distribution over the investment categories looks like this:

​Age of participant​Investments with a higher risk ​Investments with a low risk
​20 up to and including 40 years of age​80%​20%
41 up to and including 57 years of age​70%​30%
​58 up to and including 67 years of age​50%​50%

 

See what we invest in here.