How much risk would you like to take as you get older?

When you’re still young, this could be a tricky question. But it’s always good to think about this issue. Particularly as you get older. We can adjust your investments to suit your situation better.

We automatically reduce the investment risk
Your risk profile determines the moment at which we start reducing your investment risk. If there’s a neutral risk profile, BeFrank will start reducing the investment risk 12 years before your pension age. This will be sooner if you take very little investment risk. With a highly defensive risk profile, we start reducing the investment risk 19 years before your pension age. But we start later if you take a higher risk. We start just 9 years before your retirement date with the very aggressive profile.

You decide how much investment risk you wish to take
There are two situations when we can adjust arrangements to better suit your personal situation:

1. You wish to carry on investing some of your pension capital after you retire
If you already know that you want to continue investing some of your pension capital after retirement. Then, you can organise things in advance by adjusting the reduction of the investment risk.

2. You want to take a higher investment risk as long as you are working
Maybe you are still unsure whether you would like to continue investing some of your pension capital after retirement? But, you want to take a higher investment risk as long as you are working. In this case, you can adjust the reduction of the investment risk.

For both situations: if you adjust the reduction of the investment risk, we will continue to invest more in high-risk investments and less in risk-averse investments.

See what works for you
We realise that some people would rather not take that risk with their pension. We use the Profile selector to help you choose a suitable risk profile.

Nothing is set in stone
Whichever choice you make. It’s good to know that nothing is set in stone. You can change your mind as often as you like. And, once the reduction phase is approaching, we will ask you which choices you wish to make.

Has something changed in relation to your finances or your personal situation?
Then you may want to revisit your investment choices. Do they still suit your situation? Or would you prefer to take a little more or less risk? Complete the Profile selector again and see which risk is most suitable. You can easily ask us to make changes.