Investing your pension
We invest the pension contributions paid into the pension plan with the aim of growing the pension capital and helping to keep pensions affordable in the future. We also invest as responsibly as possible. This means we want our investments to contribute to a world worth living in.
Why do we invest and what do we invest in?
The Heineken Pension Fund manages approximately €4.8 billion (2025) on behalf of its active members, former members and pensioners.
Over the long term, investing generally generates a higher return than keeping money in a savings account. You do not make investment decisions yourself. All personal pension capital is invested collectively by the pension fund.
By investing collectively, we can keep investment costs low and spread risks across a wide range of investments.
Your pension capital consists of the contributions paid by you and your employer while you work for HEINEKEN, plus or minus the financial results achieved on those contributions.
Investing involves risks. The value of investments can go up as well as down. We carefully assess how much risk can be taken and spread investments across different asset classes, countries and sectors. We also invest in a variety of investment types.
Read more about:
How we invest
Investing your pension
Types of investments
Investment returns
How investment results are allocated to your personal pension capital
How investment risk is determined
Responsible investment
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