After rain comes sunshine

At BeFrank, we invest your pension capital. In the long run, the rate of returns on investments is nearly always higher than for savings. With investments, you will inevitably encounter rate fluctuations. We all felt the effects of such fluctuations when the corona crisis broke out. A substantial drop in returns for investors. But, the market is very much like the weather: even when it is raining cats and dogs…

Eventually, the sun will shine again
We saw the sun again in the second quarter. The stock market recovered. We recovered the loss from the first quarter on balance. And we also see this recovering trend in the third quarter. The stock markets continue to attract. This is clearly visible in the Return graph on your personal pension page: after the drop, returns are on the increase once again.

Things are still unsteady
The coronavirus keeps the world in its grip. And that has an impact on the markets. We don’t know what the future holds. But we do know that there will always be market fluctuations. Also, it’s important to keep a long-term perspective in mind. We formulated BeFrank’s investment principles for both good and bad times, so they remain applicable even during this strange period. Keeping a cool head is the best that we can do.

Good to know
At BeFrank, we invest your pension capital on a diversified basis. We invest throughout the world in numerous companies, sectors and investment categories such as equities and bonds. Not every investment is affected to the same extent by the consequences of the corona crisis. This means we can avoid a situation where a price drop or bankruptcy of any single company can have serious effects on the value of your investments. This diversification limits your risk.

We lower your risks as you get older
We automatically lower the risk associated with your pension capital investments as you get older. If you are still young, there will be enough time for you to make up for sharp drops in prices. This is not the case when you are older. We then put your money in less risky investments that will be less affected by sudden price drops. Will you retire within a year and want to incur less risk? You have a few options.

At BeFrank, you are in control of your pension
At BeFrank, you decide how much risk you are willing to run with your pension investments and how we will invest your pension capital. The choice is yours. Use our Profile selector to easily determine which model suits you. Take control of your pension today. While you’re at it, have a look at the returns on your investments. And don’t forget: do you see a drop? Keep a long-term perspective and keep a cool head.