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Blog: Do you know what percentage of your salary is for your pension?
You know how much you pay per month for your mortgage, telephone bill and sports subscription. But do you also know what percentage of your salary you pay for your pension? And did you know that your employer pays twice as much premium!
Interest and funding ratio
The interest also has a negative effect on the value of the pension liabilities. The pension liabilities increase when interest rates fall. With a lower interest rate, you have to reserve more capital in order to be able to meet the pension obligations in the future.
Results of the survey for effectiveness of communication tools
At the end of 2020, we sent out a survey to assess the effectiveness of our communication tools. Pensioners and former participants received the survey by post. Due to a new font that the HPF uses as part of its corporate identity, the distinction between certain letters was minimal or not visible at all. Many participants were subsequently provided with the correct password upon request and were able to complete the survey. Participants living abroad mostly received the letter only after the survey had already closed. We apologize for the inconvenience.
Blog: How does the policy funding ratio play a role in indexation?
The current funding ratio denotes the ratio between a pension fund’s commitments and assets at a given time. A current funding ratio of 100% implies that a pension fund has exactly enough assets to meet its commitments.The policy funding ratio is the average of the current funding ratios over the past 12 months. The HPF must use the policy funding ratio for the decision to adjust pensions. The policy funding ratio determines whether we can raise the pensions with the rise of the consumer prices (indexation) or need to reduce them (cutback).
Letter regarding contribution and increase
The letter regarding contribution and increase was sent this week. In the letter you will find the new contribution, information about changes to the pension scheme and an explanation of why your pension has not been increased this year.
Blog: No indexation per 1 January 2021
Alweer de laatste blog van 2020. Wat een jaar is 2020 geweest. Het Covid 19 virus heeft er flink zijn stempel op gedrukt tot en met de feestdagen aan toe.
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