Your pension will be increased with 3.13%
5 December 2024Your pension will be increased with 3.13% per January 1, 2025. This percentage is the maximum increase that we can give.
In this news item we inform you about the investment result of Heineken Pension Fund in 2022. Research by consultants Bell and OverRendement has shown that our pension fund achieved the best investment result in 2022 of all pension funds in the Netherlands. In 2021 we were also in the top two pension funds with the highest returns.
Investments in 2022
In 2022, the Heineken Pension Fund achieved a return of -9.4% on its investments. That is a negative return, but this is still a good result. The explanation: Due to the rise in interest rates, the pension commitments we have as a Heineken Pension Fund have decreased. These commitments have decreased more than the assets of the pension fund due to the investments. As a result, the funding ratio has increased. Almost all pension funds in the Netherlands have achieved a negative return in 2022. Due to the investment choices we have made as a pension fund, this has had fewer consequences for us than might be the case for other pension funds.
What is a funding ratio?
The funding ratio reflects the financial situation of the pension fund. It is the ratio between the assets of the fund and the pension commitments. A funding ratio of 100% means that the assets are equal to the pension commitments. The higher the funding ratio, the healthier the fund. Here you will find more information about the funding ratio at Heineken Pension Fund.
Your pension will be increased with 3.13% per January 1, 2025. This percentage is the maximum increase that we can give.
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: