The allocation of investments with a higher risk and a lower risk depends on the age of the participant. We call these ‘life cycles’. The allocation also depends on the choices that the participant has made:
Up to the age of 58:
| Defensive | ||
| participant's age | higher risk | lower risk |
| <44 | 70% | 30% |
| 44-51 | 60% | 40% |
| 52-57 | 50% | 50% |
| Neutral | ||
| participant's age | higher risk | lower risk |
| 58-61 | 65% | 35% |
| > 61 | 55% | 45% |
| Offensive | ||
| participant's age | higher risk | lower risk |
| 58-59 | 90% | 10% |
| 60-63 | 80% | 20% |
| > 63 | 70% | 30% |
After 58 years - choice by a stable pension
| Defensive | ||
| participant's age | higher risk | lower risk |
| 58-59 | 50% | 50% |
| >59 | 40% | 60% |
| Neutral | ||
| participant's age | higher risk | lower risk |
| 58-61 | 65% | 35% |
| > 61 | 55% | 45% |
| Offensive | ||
| participant's age | higher risk | lower risk |
| 58-59 | 90% | 10% |
| 60-63 | 80% | 20% |
| > 63 | 70% | 30% |
Choice of a variable pension:
| Defensive | ||
| participant's age | higher risk | lower risk |
| 58-59 | 40% | 60% |
| 60-61 | 35% | 65% |
| 62-63 | 30% | 70% |
| 64-65 | 25% | 75% |
| >65 | 20% | 80% |
| Neutral | ||
| participant's age | higher risk | lower risk |
| 58-59 | 55% | 45% |
| 60-61 | 50% | 50% |
| 62-63 | 45% | 55% |
| 64-65 | 40% | 60% |
| >65 | 35% | 65% |
| Offensive | ||
| participant's age | higher risk | lower risk |
| 58-59 | 80% | 20% |
| 60-61 | 70% | 30% |
| 62-63 | 60% | 40% |
| 64-65 | 55% | 45% |
| >65 | 50% | 50% |
