Employee infographic
Risk research results
You can find an overview of the results of the LifeSight risk research in the infographic below.
Based on the results of this study, we have been able to determine that our investment approach is good.
LifeSight investment approach
With LifeSight you accrue your own pension capital. If you do not make investment choices, you will receive a standard investment mix.
When determining this standard investment mix, we take into account how much risk you can bear objectively. We call this the risk base. The risk base depends on the options you have if the pension outcome will be disappointing.* If you can’t do much at that time, then we may take less investment risk. If you can handle a setback well, we can take a little more risk.
There are 3 options for dealing with a setback: accepting that you will have a lower pension income, work longer and save extra for retirement.
Results
The results show that people save more, continue working longer and can accept a larger setback as their salary increases. The risk that someone can bear therefore depends on the salary. . This was also the result of research that we have done earlier when determining our investment methodology.
Therefore, nothing changes to our investment approach: we will continue to determine the investment mix on the basis of one’s salary and we will reduce the investment risk as you get closer to your retirement age. In this way we offer our customers a suitable personal investment mix without them having to take any action.
* Of course, we do not assume that investment results are disappointing, because we do everything we can to invest your money in the best way possible. But to determine your investment mix, it is wise to take into account the chance of lower returns.
