A personal pension for all your employees

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.

Contact 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 8 most asked questions about the Employee Pension from a.s.r.

How does the Employee Pension work? toon
The Employee Pension scheme works as follows:
- You pay a monthly pension contribution on your employee’s behalf
- Your employee is able to accrue a pension with this contribution for the period after the retirement date
- Your employee can choose to invest these pension contributions or can opt for a defined benefit
Does the Employee Pension comply with the pension agreement? toon

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."
What are the benefits of the Employee Pension? toon
- The benefits for you as employer toon
  
  A modern and up-to-date pension scheme
  
  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.
  
  Puts you in control of pension expenses
  
  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.
  
  Makes your life easier
  
  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.
- The benefits for your employees toon
  Insight into pension accrual
  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:
  
  They will be able to check their pension savings and check when their pension will come into payment
  
  They will be able to take pension decisions quickly and easily
  
  They will be able to perform pension calculations easily
  
  A choice between investment or a defined benefit
  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.
  100% defined benefit
  The Employee Pension gives members the opportunity to opt for a defined benefit after the retirement date. This means that each pension contribution payment is used to purchase a pension, ensuring your employee knows exactly how much pension will be paid out to them when they retire.
  
  100% investment
  a.s.r.’s investment experts will invest your pension contributions. Our invested capital amounts to approximately 55 billion euros, making us one of the largest asset managers in the Netherlands. An integral part of our investment policy is sustainability, long-term investment and low fees. Ask your adviser about our track record in asset management.
  
  Pensionclick
  Your employee can use all, or a portion, of the value of the plan assets to purchase a defined pension benefit. This means the return on investment yielded so far can be converted into a defined benefit by the employee.

How do we invest sustainably? toon
- Sustainable investing toon
  
  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.
  
  Did you know?
  
  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.
- Sustainable Finance Action Plan toon
  
  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).

Fund name	Risk indicator
ASR Pensioen Mixfonds Defensief	4
ASR Pensioen Mixfonds Neutraal	5
ASR Pensioen Mixfonds Offensief	5
ASR Pensioen Bedrijfsobligatiefonds	3
ASR Pensioen Staatsobligatiefonds 10-15 jaar	4
ASR Pensioen Staatsobligatiefonds 15+ jaar	5
ASR Pensioen Staatsobligatiefonds 20+ jaar	5

Fund name
ASR Pensioen Mixfonds Defensief
ASR Pensioen Mixfonds Neutraal
ASR Pensioen Mixfonds Offensief

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
Pacific-region equities	ASR Duurzaam Azië Aandelen Fonds C
World Impact equities	ASR Wereldwijd Impact Aandelen Fonds C
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	ASR Hypotheekfonds

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.

The returns shown have been calculated up to and including December 2023

Average 1-year returns of investment profiles*
Age	Defensive	Benchmark	Neutral	Benchmark	Aggresive	Benchmark
45 (and younger)	13.82%	14.31%	14.65%	15.20%	15.53%	16.12%
55	11.63%	11.80%	14.24%	14.76%	15.53%	16.12%
65	8.84%	8.65%	10.09%	10.06%	10.88%	10.93%
66	8.56%	8.33%	9.66%	9.59%	10.28%	10.27%

* 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)	5.19%	5.60%	6.24%	6.75%	7.23%	7.85%
55	0.59%	0.74%	6.11%	6.62%	7.23%	7.85%
65	-5.95%	-6.09%	-3.47%	-3.83%	-1.64%	-1.98%
66	-6.59%	-6.76%	-4.49%	-4.94%	-3.06%	-3.54%

Average 5-year returns of investment profiles**
Age	Defensive	Benchmark	Neutral	Benchmark	Aggresive	Benchmark
45 (and younger)	8.25%	8.16%	9.37%	9.30%	10.44%	10.37%
55	5.27%	5.08%	9.29%	9.22%	10.44%	10.37%
65	0.48%	0.20%	2.50%	2.04%	4.16%	3.65%
66	-0.01%	-0.29%	1.78%	1.28%	3.17%	2.60%

** 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.

What does a flexible pension plan at a.s.r. entail? toon
- You are free to determine how much you will contribute (the employer contribution) and how much your employee will contribute.
- You are free to determine the graduated scale level, based on the defined contribution.
- You are free to determine the graduated scale percentage. If you opt for the maximum graduated scale, your employees will not be able to make supplementary contributions. They will be able to make supplementary contributions if you choose a lower graduated scale percentage.
- You are free to offer your employees the option of supplementary contributions if this is included in the pension scheme.
- You are free to determine the level of investment freedom for your employees.
- You are free to offer your employees a supplementary surviving dependants' benefit insurance. You have two options in this regard:
  1. A mandatory insurance that you pay for and automatically insures your employees.
  2. A voluntary insurance that your employee can choose to take out and that they pay for themselves.
- You also have the option of offering employees a net pay pension if their salaries exceed the tax-facilitated amount (€ 137.800 in 2024). Please consult your adviser for more information about this.
- You are free to cancel the Employee Pension at any time you wish (our notice period is two months).

We offer a collective pension scheme that can be tailored to the individual and their personal needs and wishes.

Marco Winkel (HR-director, Visma | Raet)

Additional information and downloads on the Employee Pension

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.

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A personal pension for all your employees

The Employee Pension from a.s.r.

Did you know?

The returns shown have been calculated up to and including December 2023