How certain is your pension?

ouderdomspensioen_67

 

The amount of your pension is not fixed. This is caused by the following uncertainties:

  • On average, people live longer than before. This means that Forward has to pay the pension for a longer period of time.
  • A low interest rate makes pension more expensive. This means that Forward needs more money to pay you the same pension.
  • Results on the stock markets could fall short of expectations.

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arbeidsongeschiktheidspensioen

 

1.

This means the following risks:

Whether in the future you can buy as much with your pension as now, depends on the increase of both the pension and the prices. We aim to increase your pension each year, following the wage increase. Such an increase in your pension is called indexation. This is only possible if the financial situation at Forward is sufficient.
Up to now Forward has granted the following indexations completely to our objectives: 

Over the year Indexation Price increase
2017 0.00% 1.25%
2016 3.43% 0.98%
2015 2.15% 0.75%

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reglement

2.

 

3.

Unilever wil not transfer an additional contribution in case of a shortage. A shortage means Forward will have to lower your accrued pension. We will only do this in the most extreme case.

There is a minor risk that in a particular year we will not be able to fully achieve the yearly pension accrual we aim for (1.875%).

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