With the Employee Pension, you offer your employees a complete pension scheme with a wide range of choices. You can also take advantage of the benefits offered by a.s.r. Vitality and 'I think ahead'. So you won't just ensure that your employees have money later on. As an employer, you will also help them with modern, sustainable employment benefits. So that they can retire in good financial, mental and physical health. Interested? Contact an adviser.
Briefly, this is how the Employee Pension works:
- You choose the risks you insure for your employees.
- You decide how much contribution you pay.
- Your employee can have this pension contribution invested or opt for a guaranteed pension.
- Your employee can affect the level of their pension by making their own choices.
Questions about the Employee Pension?
Call us on (030) 257 42 66. Or contact an independent adviser (in Dutch).
As an employer, you have plenty of choice about how to set up the Employee Pension:
- You set the amount of the defined contribution.
- You decide which part of the contribution you pay yourself. And the part your employee contributes.
- You choose how much investment freedom your employees have.
- You can terminate the Employee Pension at any time. The notice period is 2 months.
You can still make these additional choices:
- You can make it possible for your employees to make an additional contribution personally.
- You can offer additional security in the event of death, in the form of the surviving dependants’ pension.
- You can offer the Net Pay Employee Pension to employees whose salary exceeds the tax-facilitated maximum.
Questions about the Employee Pension?
Call us on (030) 257 42 66. Or contact an independent adviser (in Dutch).
As an employer, you decide how much investment freedom your employees have.
Limited investment choice - Profile Investing
If you opt for a limited investment choice, your employees can choose from the Defensive, Neutral or Offensive investment profiles. Investing according to an investment profile is known as Profile Investing. If your employee does not make a choice, we invest according to the Neutral investment profile by default. And, of course, your employees can choose on their retirement date whether they will continue to invest.
Broad investment choice - Self-Directed Investing
If you choose to offer a broad investment choice, your employees can opt for self-directed investing in addition to Profile Investing. With Self-Directed Investing, your employee will choose the funds they invest in. But they are also then responsible for all their investment choices.
Brochures and policy
- Information Pension Profile investment (from 2025)
- Investment Policy (in Dutch)
- Investment Principles (in Dutch)
- Investment product rebalancing policy (in Dutch)
Want to read more?
- Overview of life cycle investment funds (in Dutch)
- Overview of Employee Pension realised returns (in Dutch)
- Overview of Employee Pension investment messages (in Dutch)
Questions about the Employee Pension?
Call us on (030) 257 42 66. Or contact an independent adviser (in Dutch).
Control of pension costs
The Employee Pension is a defined contribution scheme. As the employer, you set the amount of the defined contribution. You also choose the additional insurance you wish to cover. As the employer, you will not be faced with unexpected costs.
A pension scheme that is always up-to-date
The Employee Pension is a modern pension scheme. Did you know that we have the newest administration system in the Netherlands? You can easily link your payroll administration (in Dutch) to our pension administration. And, of course, we automatically adjust your pension scheme to the latest developments each year.
A single service team for all your questions
Do you have questions about your pension? Put them to the permanent Employee Pension service team. Specially trained people who can answer all your questions. And of course everything can be completely digital. That’s convenience.
Online environment for your pension
Through personal videos, help texts and webinars, we make the Employee Pension understandable for your employees. In our online environment, your employees can:
- see how their pension is going and what they can expect later;
- simply adjust their pension to suit their own wishes, such as setting a personal retirement age;
- gain insight into their financial situation with our Pension Checker.
Questions about the Employee Pension?
Call us on (030) 257 42 66. Or contact an independent adviser (in Dutch).
Investing with more or less risk
We're not all the same. Some people like risk. Others don't. By default, we invest your employees’ pension with a neutral profile. Your employees can opt for more or less risk. As the employer, you can also offer them complete investment freedom. You can even allow them to arrange a guaranteed pension. A choice for people looking for security.
Investing 100% for your pension
a.s.r.'s investment experts invest your pension contributions. With EUR 55 billion in invested assets, a.s.r. is one of the largest asset managers in the Netherlands.
Sustainable investment, a long-term view and low costs are central to our investment policy. Ask your adviser about the investment results of ASR Asset Management.
100% pension guarantee
With the Employee Pension, your employees can opt for a guaranteed pension. They can also convert their invested pension capital into a guaranteed pension before their retirement date. Then they will know exactly how much they will receive when their pension comes into payment.
Want to read more? Check out the investment choices (in Dutch) available to your employees.
Additional benefits: staying fit with Vitality
Did you know that with the Employee Pension, you can also use a.s.r. Vitality (in Dutch)? The vitality programme that rewards employees for a healthy lifestyle. Exercise improves your employees’ mental and physical health. It also increases employee productivity and job satisfaction and reduces absenteeism.
Questions about the Employee Pension?
Call us on (030) 257 42 66. Or contact an independent adviser (in Dutch).
You arrange the Employee Pension through an independent adviser. Because they are in a better position to assess what you, as an employer, need. An independent adviser will ask you questions and see how you respond. So you can be sure that the Employee Pension really suits you. In addition, we then know exactly how we can help you as effectively as possible.
Are you not a customer yet? And you would like to find out whether the Employee Pension is suitable for you as an employer? Then talk to an independent adviser (in Dutch).
We invest the pension contributions for a.s.r.'s Employee Pension. The investments have a direct or indirect impact on people, society and the environment. For example, a choice can be made to invest in more sustainable sectors and companies. When we talk about sustainability information, this mainly concerns how we use our investments to potentially make a positive contribution to people, society and the environment.
Pension contributions are invested in various funds by a.s.r. Asset Management These investments affect people, society and the environment. To avoid doing harm in these areas, a.s.r. sets sustainability requirements for its investments. To this end, we have been applying our Socially Responsible Investment (SRI) policy since 2007.
Sustainable investment
Countries and companies that do not meet our criteria are excluded from our investment portfolio. Our focus is on investing in countries and companies that contribute to a sustainable society. How do we do this? Based on positive selection criteria (PDF), we rank companies and countries that are leading in terms of sustainability by promoting the energy transition and combating the risks of climate change, and also focusing on themes we believe to be important, such as healthcare and education.
So what do we do, for example?
We do not invest in the tobacco and gambling industries. Or in companies that derive much of their revenue from nuclear power, oil shale and coal. We also demand that companies comply with international conventions on human rights, employment rights and the environment. We have criteria for gender equality, a living wage, trade union freedom and exclusion of child labour. For investments in sovereign bonds, we look at issues such as the degree of democratic freedom and corruption. And we engage with the companies and the governments of countries we invest in. In this way, we believe we can create more value, both financially and socially.
Sustainable Finance Action Plan
The financial sector plays an important role in a greener and more sustainable economy. An action plan has been drawn up at European level: the Sustainable Finance Action Plan. This plan aims to encourage the financial sector to invest more in activities that focus on the longer term and on sustainability.
One of the European regulations resulting from the action plan is the Sustainable Finance Disclosure Regulation (SFDR). The objective of the SFDR is to improve the disclosure of sustainable investments within the financial sector. We like to provide insight into how we invest and why.
In addition to our Socially Responsible Investment policy, we also provide more information on sustainability through a Principal Adverse Impacts Statement (PAI Statement). When investing, there is the possibility of potentially negative impacts. These are also known as the adverse effects (of investments). How we deal with adverse impacts is described in the PAI-Statement (in Dutch). In addition, we publish quarterly reports describing the actions we are taking in the area of sustainability. You can find those posts on the Sustainable Investor page, as well as our voting policy and our codes of conduct. You can also view our remuneration policy.
Pre-contractual information
Within the investments of defined contribution schemes, we are also concerned with various sustainability aspects, such as social and environmental characteristics. The documents below describe, among other things, how we deal with sustainability risks. And how these risks are taken into account in the way we make decisions. The composition of the investments evolves with the employee's age, which we also call the 'life cycle'. We therefore provide the information for two different age groups:
- Pre-contractual sustainability information on the investment portfolio for the 45-year age group (in Dutch).
- Pre-contractual sustainability information on the investment portfolio for the 60-year age group (in Dutch).
In the Employee Pension, a guaranteed old-age pension and partner's pension can also be chosen from the retirement date. In the case of a guaranteed pension, the pension contributions are not invested directly for a participant, but a.s.r. invests all the contributions received as a whole. We have also prepared pre-contractual information for this.
This information can also be found in layer 3 of the Pension 1-2-3.
Periodic information
Our investment funds promote sustainability or have sustainability as an objective. We are happy to provide insight into how our investments perform in the area of sustainability. The periodic information of the life cycles have two snapshots and insight into all investment profiles:
Periodic sustainability information for the 45-year age group
- Investment profile Defensive (in Dutch)
- Investment profile Neutral (in Dutch)
- Investment profile Offensive (in Dutch)
Periodic sustainability information for the 60-year age group
- Investment profile Defensive, (expected) fixed payment (in Dutch)
- Investment profile Neutral, (expected) fixed payment (in Dutch)
- Investment profile Neutral, (expected) variable payment (in Dutch)
- Investment profile Offensive, (expected) fixed payment (in Dutch)
- Investment profile Offensive, (expected) variable payment (in Dutch)
Want to read more information on how the underlying funds have performed? You can find it in the fund annual reports on the relevant fund page (in Dutch, under 'Documents').
Sustainability information
We also assess, measure and monitor sustainability. In the documents below, we describe the methods, data sources and selection criteria we use:
- Investment portfolio sustainability information for the 45-year age group (in Dutch).
- Investment portfolio sustainability information for the 60-year age group (in Dutch).
If you have opted for a guaranteed old-age pension and partner's pension from your retirement date, your pension contributions will not be invested directly. a.s.r. invests all contributions as a whole. We also assess, measure and monitor sustainability in this regard:
Switching to the Employee Pension? Thanks to our simple switching service, this can be quickly arranged. Together with your adviser, we make things as convenient for you as the employer as we can. We also help your employees make the right choices. With simple tools, clear communication and personal service. So they have a pension that really suits them. Today, in the future and for ever.
- A good, comprehensible pension scheme that helps us with sustainable employability.
- Pension contributions invested as far as possible in sustainable sectors and companies.
- Additional services that match our ambition to retain employees for longer.
- Fast service and information sessions about Employee Pension at our office.
With the Employee Pension, you opt for a complete pension scheme. From capital accumulation to cover in the event of death and occupational disability.
A wide range of pension choices for you and your employees
In a modern online environment, you will have insight into and an overview of your pension scheme. And discover the wide range of pension choices for you and your employees. Everything is completely digital and available in Dutch and English. As standard. Of course, we keep up with the latest developments. We also automatically adjust your pension scheme every year. No hassle. Just always up to date.
Convenient switching
If you want to switch easily to the Employee Pension, just ask your adviser. We also invite your employees with personal communication. And a dedicated point of contact will be available for you. With a.s.r., you are also choosing a sustainable insurer. That gives a good feeling.
Questions? We will be happy to help you with your pension
If you are not yet a customer, and you would like to find out whether the Employee Pension is suitable for you as an employer, contact an independent adviser (in Dutch).
If you are already a customer, call us on (030) 257 42 66.