Why investing?

 

In your pension plan, money is put aside for when you retire. This accrued amount (or pension capital) can then be used to buy a pension with an insurer when you retire. A relatively large amount of capital is needed to make sure you receive a sufficient pension. To reach this amount of capital you will most likely have to invest since relying on interest alone won’t give you enough return. Investing is therefore necessary for a good pension.

Investment funds

 

LifeSight ensures adequate accrual of pension capital. We offer two investment options: Smart Investing (NextGenDC™) or Self-Investing (opting out). Under the Smart Investing option, pension is accrued through investments in three LifeSight PPI funds, which have been specially developed by LifeSight. Self-Investing (opting out) offers freedom of choice in terms of investment mix and investment funds in which the pension capital is accrued and invested.

LifeSight Funds

 

Under the smart investment option, pension is accrued through investments in three LifeSight PPI funds, which have been specially developed by LifeSight.

  • Investments in inflation-related fixed-income securities with average interest rate sensitivity – LifeSight Matching Kort Fund
  • Investments in inflation-related fixed-income securities with high interest rate sensitivity – LifeSight Matching Lang Fund
  • Investments in risk-bearing investments including, but not limited to, global equities, emerging market equities, global government bonds, global corporate bonds, high yield bonds, emerging market bonds, globally listed real estate company shares and commodities – LifeSight Rendement Fund

Self-investing

 

Self-Investing (opting out) offers freedom of choice in terms of investment mix and investment funds in which the pension capital is accrued and invested. At present there is a choice of 17 investment funds that include the following investments:

 

  • Developed market equities worldwide
  • Developed market equities by region:
    • Europe.
    • Europe (excl UK)
    • EMU
    • UK
    • North America
    • Japan
    • Asia/Pacific (excl. Japan)
  • Emerging market equities
  • Global real estate shares
  • Euro government bonds with very high credit ratings
  • Euro (investment grade) government bonds
  • Euro inflation-related government bonds
  • Euro (investment grade) corporate bonds
  • High Yield bonds
  • Emerging market bonds
  • Liquidities