We invest for the long term
16 April 2025The import tariffs announced by the United States caused declines on the stock markets. Many reports about this appeared in the news last week. We can imagine this raises questions.
In March, the Heineken Pension Fund invited you to participate in the research into how much risk you want to take with your pension. We think it is important to know how our (former) participants and pensioners view the returns and risks of investing. With this research we got a good indication of that. The reason for carrying out this research is the new pension rules that are applicable with the new pension system.
A total of 2,052 respondents gave their opinion. This group is a good reflection of the total number of (former) members and pensioners of the pension fund, so we can make reliable statements for the entire pension fund. The results of this research provide valuable information that is taken into account by the board when making choices about the new pension contract.
Main results
Fixed or variable pension
Risk investments
How to deal with increasing and decreasing pension
Why do we take risks with investing
We invest the premiums to grow your pension. The pension that you will receive consists for the most part of profit on the investments. If we take more risk when investing, the chance of a higher pension is bigger. But the chance that the pension will be lower is also bigger.
New pension system
As of 1 July 2023, the New Pensions Act is applicable. With this law, the pension system will change radically. Via this page on our website we will keep you informed about the developments of the new pension system, what the Heineken Pension Fund does and what this means for you.
Next steps
The board uses the results of this research when making choices about how we invest the pension. We expect to be able to tell you in more detail about the choices and the new pension scheme at the end of this year.
The import tariffs announced by the United States caused declines on the stock markets. Many reports about this appeared in the news last week. We can imagine this raises questions.
In 2024, we will have achieved a 12.6% return by investing the pension assets. With this result, we are in the top three of the more than 170 pension funds in the Netherlands that were surveyed by consultants from OverRendement and Bell.
We are expected to implement the new pension scheme from January 1, 2026. We are preparing for this, so that this transition is done carefully. For example, in 2024 we switched to a new pension administration system. In this administration system, we can administer our current and future pension scheme. In short: with this administration system we are ready for the future.