Choice guidance
In your pension scheme at LifeSight you have various choices that you can make. You can only make a choice if your employer has included the option in your pension scheme.
By clicking on a choice you go to the page that gives you an explanation and guides you in making your choice.
Additional voluntary contributions
- Additional saving
This is a voluntary additional contribution at your own expense - One-off additional saving
This is a voluntary additional contribution at your own expense on salary components (such as a bonus) on which no pension is accrued as standard - Net saving
This is a voluntary contribution at your own expense to a net pension scheme
Voluntary death insurance
- Voluntary ANW shortfall insurance
This is a voluntary additional insurance in the event of death at your own expense - Net coverage
These are death insurance policies at your own expense in a net pension scheme
Transfer of pension
- Incoming Value Transfer
This is the transfer of pension accrued with the pension provider of your previous employer to LifeSight - Outgoing Value Transfer
This is the transfer of your pension accrued at LifeSight to the pension provider of your new employer
Investments
- Smart Investing
This means choosing for a different investment mix than the standard investment mix - Self Investing
This means – on your own responsibility – choosing for a different investment mix from the other funds offered by LifeSight. - Pension Stabiliser
Choosing for a defensive investment mix based on bonds - Preparing for Fixed or Variable Pension
This means adjusting your investments according to your (provisional) choice for a fixed pension or a variable pension before your retirement date. - Adjust retirement age
This means making your own choice for a different retirement age, as a result of which the investment mix is adjusted
Divorce
- Dividing your retirement pension after divorce
- Partner’s pension after divorce
Retirement
- Choosing an insurer on the retirement date (right to shop)
- High – Low pension (benefit)
This means choosing for a temporary higher pension benefit first and then a lower pension benefit for the rest of your life - Reducing your partner’s pension
This means choosing for a lower partner’s pension in favor of a higher retirement pension - Early or postponed retirement
This means choosing to have your pension to start earlier or later - Fixed or variable pension
This is choosing between a fixed pension (guaranteed) or a variable pension (not guaranteed)
Pension upon death
- Purchase of pension upon death
This is about the choices your partner has after your death