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How does Pensioenfonds PGB invest?

When investing we take account of the wishes of our participants.

Pensioenfonds PGB deems it is vital that the the way we invest corresponds to the wishes of the participants. Consequently, we regularly survey what our participants think about investing and the associated risks.

Our participants would like...
- to run slightly more risk with the chance of a higher pension.
- to be certain of a minimum level of pension. 
- to have a higher chance of a slight reduction than a lower chance of a large reduction.

Average Salary Scheme
The form of investment is linked to the coverage ratio. Given a low coverage ratio, we take less risk than when the coverage ratio is higher.
Given a (really) high coverage ratio, we again take less risk. Unfortunately, we cannot guarantee a minimum level of pension; but in this way, we do our utmost to try to ensure this.

Depending on the level of the coverage ratio, the spread over the investment categories is as follows:
- 40 to 60% of the assets are invested in low risk  investments (such as government bonds).
- 40 to 60% of the assets are invested in a higher risk investments (such as equities).

We also make use of so-called stress scenarios, in the context of which we look at developments in the world economy.

Defined contribution
The form of investment is linked to the age of the participants. The older the participant, the lower the risk we take. This is referred to as lifecycle investing.

The spread over the investment categories is as follows:

​Participant's age ​Investment with a higher risk ​Investment with a low risk
>38 years of age​80%​20%
38 to 47 years of age (incl.)​70%​30%
​48 to 57 years of age (incl.)​60%​40%
​58 to 67 years of age (incl.)​​50%​50%


Here you can view our investments.