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Hybrid scheme

This is a combination of an average salary scheme and an available contributory scheme.

With a hybrid scheme, employees build up pension up to a certain salary limit through an average salary scheme. Above that limit, they build up capital through an available contributory scheme.

The amount of the final pension depends on:
- the average salary of an employee;
- the number of years that an employee builds up pension;
- the age at which an employee retires;
- the pension premium aleady paid;
- the investment return that we achieve;
- the rates when the pension is purchased. 

This is also included in the scheme 

​partnerpension​: a maximum of 70% of the retirement pension
​orphan's pension​: 20% of the partner pension
​non-contributory building up ​: with invalidity
​supplement scheme  ​: a conditional increase of a maximum of 2%
​lifecycle​: the older the employee, the lower the investment risk