Investment Lifecycles

We invest the pension contributions of your employees based on the chosen lifecycles. This means that we also take account of their age. We concentrate on maximising the return when possible, and on security as retirement approaches.

As the retirement age approaches, we adjust the investment mix to control the investment risk and interest rate risk. This provides increasing certainty about the final value of the pension. We gradually reduce the risk so that employees do not run the risk of us selling all investments in one go at an unfavourable price. We also ensure the investments are well diversified across countries and branches of industry.  If there are problems in a given country or specific branch of industry, it will have less of an impact on the overall value of the investments.

Choice of lifecycles
At BeFrank, we do not just limit the investment risk, but we also provide insight into the risks. Especially because your employees bear the risk, we consider it important that they also have information on the investment decisions and are also able to influence them. At BeFrank, employees can choose between three lifecycle investments: neutral, defensive or offensive.

With effect from 2019, the very defensive and very offensive risk profiles will also be available for new and renewed pension schemes.

Desired level of investment risk
At BeFrank, we do not just limit the investment risk, but we also provide insight into the risks. This is new in the market. Especially because employees bear the risk, we consider it important that they also have information on the investment decisions and are also able to influence them. At BeFrank, employees can choose between three lifecycle investments: neutral, defensive or offensive.

With effect from 2019, the very defensive and very offensive risk profiles will also be available for new and renewed pension schemes.