You will always be investing your money in a well-diversified model portfolio. Pension investment lets you choose the investment preference that is right for you. Automatic risk reduction means that your risk exposure is automatically and gradually reduced by investing in less high-risk model portfolios as you near the Dutch state pension age (AOW). Or you can decide how much risk you want to take by investing through one of our model portfolios.
Pension investment with automatic risk reduction
Pension investment with choose-your-model-portfolio option
You invest mainly in bonds and only a limited part of your funds in shares. You are aware that investing in shares may yield higher returns in the long term, but prefer to keep the risk as low as possible.
20% shares:
18% Northern Trust World Custom ESG Equity Index Feeder Fund
2% Northern Trust Emerging Markets Custom ESG Equity Index Fund
80% bonds:
80% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
You are willing to take risk, but you invest more in bonds than in shares. The best option for you is a diversified model portfolio that mainly contains bonds and invests a limited amount in shares.
35% shares:
31.5% Northern Trust World Custom ESG Equity Index Feeder Fund
3.5% Northern Trust Emerging Markets Custom ESG Equity Index Fund
65% bonds:
65% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
You are well able to estimate the level of risk involved in investing in shares and you know the chances of high yields you get in return. You are willing to take risk, because you invest more in shares than in bonds.
55% shares:
49.5% Northern Trust World Custom ESG Equity Index Feeder Fund
5.5% Northern Trust Emerging Markets Custom ESG Equity Index Fund
45% bonds:
45% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
Generating returns is important to you and that is why you choose a model portfolio that contains mainly shares and invests only a limited part of your capital in bonds. You accept the possible risk.
75% shares:
67.5% Northern Trust World Custom ESG Equity Index Feeder Fund
7.5% Northern Trust Emerging Markets Custom ESG Equity Index Fund
25% bonds:
25% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
Generating returns is the most important reason why you invest, and so you choose to invest only in shares.
100% shares:
90% Northern Trust World Custom ESG Equity Index Feeder Fund
10% Northern Trust Emerging Markets Custom ESG Equity Index Fund
0% bonds
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
You invest mainly in bonds and only a limited part of your funds in shares. You are aware that investing in shares may yield higher returns in the long term, but prefer to keep the risk as low as possible.
20% shares:
18% Northern Trust World Custom ESG Equity Index Feeder Fund
2% Northern Trust Emerging Markets Custom ESG Equity Index Fund
80% bonds:
80% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
You are willing to take risk, but you invest more in bonds than in shares. The best option for you is a diversified model portfolio that mainly contains bonds and invests a limited amount in shares.
35% shares:
31.5% Northern Trust World Custom ESG Equity Index Feeder Fund
3.5% Northern Trust Emerging Markets Custom ESG Equity Index Fund
65% bonds:
65% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
You are well able to estimate the level of risk involved in investing in shares and you know the chances of high yields you get in return. You are willing to take risk, because you invest more in shares than in bonds.
55% shares:
49.5% Northern Trust World Custom ESG Equity Index Feeder Fund
5.5% Northern Trust Emerging Markets Custom ESG Equity Index Fund
45% bonds:
45% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
Generating returns is important to you and that is why you choose a model portfolio that contains mainly shares and invests only a limited part of your capital in bonds. You accept the possible risk.
75% shares:
67.5% Northern Trust World Custom ESG Equity Index Feeder Fund
7.5% Northern Trust Emerging Markets Custom ESG Equity Index Fund
25% bonds:
25% iShares Euro Aggregated Bond ETF
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
Generating returns is the most important reason why you invest, and so you choose to invest only in shares.
100% shares:
90% Northern Trust World Custom ESG Equity Index Feeder Fund
10% Northern Trust Emerging Markets Custom ESG Equity Index Fund
0% bonds
Interested in more information, for example the current stock price, sustainability and returns? Check it out in the fund selector.
You can change investment preferences (automatic risk reduction or choose your model portfolio) at any time. Simply go onto Internet Banking and change your current preference under 'Beleggingsvoorkeur wijzigen' (change investment preference). You could, for example, start off by choosing a model portfolio yourself and later switch to the automatic risk reduction option.
Want to stop investing? You can easily sell your complete investment portfolio. The results of the sell order will automatically be deposited into your pensions savings account.
Pension investing is done with money that you have left over and that fits within your annual space. Investing involves risks. You can lose part of your investment. It is good to be aware of this.
Look for answers to our frequently asked questions about pensio on our service page.
The Investment and Pension helpdesk is available on working days between 8 am and 9 pm and on Saturdays between 9 am and 5.30 pm.
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