The current funding ratio at the end of November 2022 is 144.5% (year-end 2021: 119.2%).
The current funding ratio represents the ratio between liabilities and assets of the HPF at a specific point in time.
The policy funding ratio will be 136.9% at the end of November 2022 (end of 2021: 110.2%).
The policy funding ratio is the average of the current funding ratios over the past 12 months. The level of the policy funding ratio at the end of September determines whether the HPF can increase the pensions (grant a supplement).
We look back on three days of great conversations and informative webinars in which we took a total of 341 live viewers through the transition to the new pension scheme. We have noticed that pensions are not an issue for everyone, but when we talk to colleagues, questions do arise.
The new pension scheme is a solidarity-based contribution scheme. An important and mandatory element of this scheme is the solidarity reserve. The solidarity reserve is a separate reserve that protects the pension benefits. The solidarity reserve has two objectives:
On November 12, 13 and 14 the annual Three Days of Pensions will take place. During these three days, we will organise various (online) activities where we will tell you more about the pension scheme we have at HEINEKEN and the upcoming changes to the pension scheme and what this means for your pension at HEINEKEN.