Decision employee
De websites van ASR Nederland maken gebruik van cookies. Sommige cookies plaatsen we altijd, bijvoorbeeld om de websites goed te laten werken en om het gedrag erop volledig anoniem, te kunnen analyseren. Daarnaast plaatsen we cookies zodat jij feedback kunt geven, voor social media of om relevante advertenties op websites van derden te plaatsen. Deze cookies verzamelen mogelijk gegevens buiten onze websites. Door op ‘Akkoord’ te klikken ga je akkoord met het plaatsen van deze cookies. Ga je akkoord met onze cookies, dan kunnen we jouw online gedrag, nadat je bent ingelogd, combineren met (persoons)gegevens die je online achter laat of eerder aan ons hebt verstrekt. Wil je zelf aangeven voor welke cookies je toestemming geeft, klik dan op 'Wijzig mijn instellingen'. Meer weten? Lees ons cookiebeleid.
Het lijkt er op dat je een ad blocker hebt. Je kunt daardoor niet kiezen welke cookies wij plaatsen. Daarom plaatsen wij alleen de functionele cookies.
You want to be an attractive employer, now and in the future. This is why you offer future-proof employment benefits, such as a sustainable pension. The Employee Pension from a.s.r. offers employers in the large corporate or SME market a personal pension plan for their employees. With options that suit them, now and in the future.
Want to know if the Employee Pension would suit your organisation? Talk to an adviser.
As far as possible, we arrange everything for you as the employer. With a flexible pension plan, smooth implementation within two weeks and a convenient digital service for you and your employees. Together, we raise awareness of pensions in your organisation and prompt your employees to make sustainable choices that suit them, now and in the future. With simple tools, clear communication and personal service.
And with success: the a.s.r. Employee Pension has now been going for eight years! More than 7,000 employers have now opted for this a.s.r. personal pension scheme. Read (in Dutch) the client stories of KNRM, Visma | Raet, Smit & Zoon, Van Lanschot Kempen, Clini Clowns, Plastic Soup Foundation, USG People and Miele.
Read (in Dutch) about how we invest for the long term together with employers, employees and society.
The Employee Pension scheme works as follows:
All pension schemes will have to comply with the rules of the new pension system by 1 January 2027. It is not yet possible to fully adapt the Employee Pension, as the legislation is not yet final. The pension agreement is based on a defined contribution scheme, and the Employee Pension is such a scheme. So as an employer, you will be well prepared with the Employee Pension. Once the new legislation is finalised, we will make any further adaptations necessary to comply.
If you would like to know more about the pension agreement, we are assisting employers with our knowledge and experience, together with pensions advisers. You can prepare for the pension agreement with webinars, blogs, podcasts and more (in Dutch).
If you would like to know how other employers are preparing for the change, read (in Dutch) the story of HR manager Femke Koning of KNRM . Femke: "The switch from an average pay scheme to a defined contribution scheme is needed."
The Employee Pension scheme is a modern group pension scheme that continuously evolves to meet its clients’ changing needs. This is why the Employee Pension scheme is updated on an annual basis for both new and existing clients.
The Employee Pension scheme operates on the basis of defined contributions and the employer determines the level of the contributions and what type of top-up insurance is required. We base our calculations for the Employee Pension scheme on the most current interest rates and therefore do not charge a loading fee to cover interest rate fluctuations.
The Employee Pension service team is on hand to answer any questions you might have. In fact, the people that work for this desk have been specially trained to help you with all of your pension questions. We also provide a great deal of advice and support electronically via our online portal, making things easy and convenient for you.
We try to ensure your employees understand how the Employee Pension scheme works by providing information and support videos, texts and webinars. Your employees will be able to perform the following actions when they log onto My Pension plaza:
Your employee can accrue pension in one of two ways: they can either opt for a 100% defined benefit or for 100% investment. They can also make supplementary contributions if they wish. Your employee is free to decide what they want to do and we can help them during their decision-making process. In addition, if you opt for Pensionclick, your employees will be able to convert the value of the plan assets into defined benefits at any time they wish.
It is up to you whether your employees are given any investment choice or not. You decide whether they will have no investment choice, limited investment choice or a great deal of investment choice.
Decision employee
Decisions employee
Decisions employee
No investment choice – Neutral investment profile
If your employees are given no investment choice, their capital will be invested in a manner that is in line with a Neutral investment profile.
Limited investment choice - Profielbeleggen (profile investing)
If your employees are given a limited investment choice, they can opt for either a Defensive, Neutral or Offensive investment profile. Profielbeleggen simply means investing in a manner that corresponds an investment profile.
If your employee has not yet decided on an investment profile, an investment strategy will be pursued that is in line with a Neutral investment profile. The Neutral and Offensive investment profiles allow the employee to choose between two types of life cycles that are geared towards purchasing one of the following on the retirement date:
If your employee has not yet decided on an investment profile, investments will follow a life cycle geared towards purchasing a fixed pension on the retirement date. A Defensive investment profile ensures investments always follow a life cycle geared towards purchasing a fixed pension on the retirement date.
A great deal of investment choice - Vrij beleggen (self-directed investing)
If your employee is given a great deal of investment choice, they can opt for self-directed investing rather than profile investing. Vrij beleggen ensures the employee is free to invest in one or several investment funds.
The life cycles comprise the following funds:
Initially, all of the investments are allocated to the ASR Pensioen Mixfonds but the duration of this depends on the investment profile. So, for the Defensive investment profile, investments in the ASR Pensioen Mixfonds continue up to 20 years before the standard retirement age, for the Neutral investment profile this is 13 years and for the Offensive investment profile this is 10 years. Thereafter, this changes and investments are increasingly allocated to the ASR Pensioen Bedrijfsobligaties and the ASR Pensioen Staatsobligaties for fixed terms.
Investment Update 2nd quarter 2023
Investment Update 1st quarter 2023
Investment Update 4th quarter 2022
Investment Update 3rd quarter 2022
Investment Update 2nd quarter 2022
Investment Update 1st quarter 2022
Investment Update 4th quarter 2021
Investment Update 3rd quarter 2021
Investment Update 2nd quarter 2021
Investment Update 1st quarter 2021
Our investments should not harm people, society or the environment. That's why all investments must meet strict sustainability requirements. Since 2007 we have used our Socially Responsible Investment (SRI) Policy for this purpose. This policy sets out our criteria on sustainability. And here we describe how we integrate sustainability risks in investment decisions. The policy is adapted from time to time to accommodate new insights, objectives and expectations.
Countries and companies that do not meet our criteria are excluded from our investment portfolio. And we actively invest extra in countries and companies that contribute towards a sustainable society. How do we go about this? Based on positive selection criteria we rank companies and countries that are leading the way on sustainability. By promoting the energy transition and fighting climate change. Or focusing on crucial themes such as healthcare and education.
What specific steps do we take? We do not invest in arms, tobacco or gambling. Or in companies that generate substantial revenue from nuclear energy, shale oil or coal. We also demand that companies meet international conventions on human rights, labour law and the environment. We apply criteria for the equal treatment of men and women, payment of a living wage, trade union freedom and exclusion of child labour. Regarding investments and government loans, we carefully consider such matters as the degree of democracy and corruption. And we engage in dialogue with the management of companies and governments of countries in which we invest. In this way, we believe we can create more value, both in financial and social terms.
At a.s.r. we are proud of our sustainable investments. All our investment activities are entrusted to ASR Vermogensbeheer N.V. So whether you save a pension with us or take out car insurance or a mortgage: your contribution or premium is always invested by the same experts according to the same strict rules.
The financial sector plays a key role in achieving a greener and more sustainable economy. An action plan has now been drawn up at European level: the Sustainable Finance Action Plan. The aim of this plan is to prompt the financial sector to invest more in activities with a longer-term focus on sustainability. a.s.r. has long been aware of this role and has been seriously addressing this challenge since 2007.
One of the European laws to emerge from the action plan is the Sustainable Finance Disclosure Regulation (SFDR). The SFDR seeks to improve the provision of information on sustainable investments within the financial sector. We like to provide insight into how we invest and why. In addition to our Socially Responsible Investment (SRI) Policy we now also issue a Principles Adverse Impact Statement (“PAI-Statement”). Our PAI statement describes the most important unfavourable effects of our investment policy on sustainability. It also provides an assessment of the likely impacts of sustainability risks on returns. Furthermore, we bring out quarterly reports describing the actions we undertake to advance sustainability. These reports can be found on the page Sustainable Investor. This is also where you can find our voting policy, remuneration policy and code of conduct.
In European terms
The (Net Pay) Employee Pension of a.s.r. is a financial product that promotes sustainability within the meaning of Article 8 of SFDR. This is because all underlying investment funds are at least in line with Article 8 of the SFDR. The investment strategy and sustainable characteristics per underlying investment fund are described in prospectuses and information memoranda. These can be found on the page Funds & Share Prices (Dutch).
The 3 mixed funds and the 4 bond funds of a.s.r. are managed by a specialized investment team within a.s.r. that takes a critical look at the markets in which we operate. The Socially Responsible Investment (SRI) policy of a.s.r. is always followed.
Investment category | Fund |
---|---|
Shares Europe | ASR ESG IndexPlus Institutioneel Europa Aandelenfonds |
Shares United States | ASR Duurzaam Amerikaanse Aandelen Fonds |
Shares Emerging Markets | Northern Trust Emerging Markets Custom ESG |
Shares Pacific Rim excluding Japan | Northern Trust Pacific Custom ESG Equity Index |
Fixed-income Corporate Bonds | ASR ESG IndexPlus Institutioneel Bedrijfsobligatie Fonds |
Fixed-income Government Bonds | ASR ESG IndexPlus Institutioneel Staatsobligatie Fonds |
Fixed-income High Yield | iShares J.P. Morgan $ EM Bond |
Fixed-income Emerging Markets | iShares High Yield Corp Bond ESG (40% €) iShares High Yield Corp Bond ESG (60% $) |
Mortgages |
Matching portfolio | Fund |
---|---|
Corporate Bonds | ASR Pensioen Bedrijfsobligatiefonds |
Long term Government Bonds (10-15 year) | ASR Pensioen Staatsobligatiefonds 10-15 jaar |
Long term Government Bonds (15+ year) | ASR Pensioen Staatsobligatiefonds 15+ jaar |
Long term Government Bonds (20+ year) | ASR Pensioen Staatsobligatiefonds 20+ jaar |
a.s.r.’s asset management specialists closely follow all market developments and make investment decisions based on these developments, whenever necessary. The Employee Pension scheme is unique in that it does more than just benchmark performance – it plays an active role in increasing sustainability. This is important as we do not want to invest in unethical businesses.
The tables below specificy the returns yielded by our investment profiles. These differ by age because of the lifecycle approach; as the retirment age approaches, we adjust investments. The retirement age of our standard lifecycle is 68 years.
Average 1-year returns of investment profiles* | ||||||
---|---|---|---|---|---|---|
Age | Defensive | Benchmark | Neutral | Benchmark | Aggresive | Benchmark |
45 (and younger) | 8.21% | 8.93% | 9.24% | 10.21% | 10.29% | 11.48% |
55 | 2.49% | 2.60% | 8.58% | 9.49% | 10.29% | 11.48% |
65 | -4.17% | -4.71% | -2.17% | -2.38% | -0.83% | -0.84% |
* The returns include dividend and are after deduction of fund and transactions costs, but before deduction of the service fee charged by a.s.r. Werknemers Pensioen. Our benchmarks are composed pro rata.
Average 3-year returns of investment profiles** | ||||||
---|---|---|---|---|---|---|
Age | Defensive | Benchmark | Neutral | Benchmark | Aggresive | Benchmark |
45 (and younger) | 6.72% | 7.14% | 8.09% | 8.64% | 9.42% | 10.11% |
55 | 1.28% | 1.41% | 7.87% | 8.40% | 9.42% | 10.11% |
65 | -6.15% | -6.35% | -3.28% | -3.68% | -1.20% | -1.55% |
Average 5-year returns of investment profiles** | ||||||
---|---|---|---|---|---|---|
Age | Defensive | Benchmark | Neutral | Benchmark | Aggresive | Benchmark |
45 (and younger) | 6.04% | 5.96% | 6.99% | 6.93% | 7.86% | 7.81% |
55 | 3.12% | 2.93% | 6.84% | 6.77% | 7.86% | 7.81% |
65 | -1.13% | -1.37% | 0.57% | 0.13% | 1.84% | 1.34% |
** This table shows the average returns of the investment schemes corresponding to the investment profiles and ages indicated for the specified period. An example to illustrate this: suppose a participant is now 55 years of age and the table shows the 5-year return. This means that the returns and investment schedules of the four years preceding 55 years have been included in the determination of this average return.
The returns include dividend and are after deduction of fund and transactions costs, but before deduction of the service fee charged by a.s.r. Werknemers Pensioen.
The specified returns have been compiled with great care by a.s.r. No rights may be derived from the information contained on this page.
We offer a collective pension scheme that can be tailored to the individual and their personal needs and wishes.
If you are not yet a client and would like to know if the Employee Pension would suit you as an employer, contact an independent adviser.
If you are already a client, call us on (030) 257 42 66.