Put a piece
of now aside
for later
A Nationale-Nederlanden pension
Now
Life is not made up of days, weeks, months
or years. It is made up of moments – of little
pieces of now. For one person, a piece of
now can be an amazing experience, while for
another it’s just routine happiness. Those pieces
of now make life full, exciting and enlightening.
They make us; they add up to who we are.
Wouldn’t it be great if you could keep your favourite pieces of now for a later
date, making the future just as special and predictable as it is now? It’s possible,
but it requires more than just foresight. You have to look at the things that are
important to you now, which of those pieces of now you want to take with you,
and what you can do to make that dream come true.
We help you put a piece of now aside every month for a later date, and we are
there for you when you need us. That’s because those things that are important
to you now are what truly matter for your future. We help you put a piece of now
aside for later. That’s why we need to talk about now.
Our products:
•Are innovative and cutting edge
•Are flexible and adaptable to your
wishes and the wishes of your
employees
•Offer your employees an immediate
overview of their individual pension
status
•Include expert and personal support
•Provide personal communication on
pensions to your employees
•Are explained clearly using
straightforward language
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Put a piece of now aside for later
Thanks to our pension products you can rest assured
that your employees have an attractive pension package.
Whether you want security, a combination of security
and freedom, or a pension based entirely on investments
– the choice is yours. The pension packages we offer have
been created in such a way that you are able to make a
well-considered and simple choice. Our products are both
innovative and cutting edge, and they meet the demands
placed on retirement savings by employers and employees
alike. That’s something you’ve come to expect from us.
Our products & services
Comfort
Pensioen
Bewust
Pensioen
Essentie
Pensioen
Our products
• Comfort Pensioen (Comfort Pension)
• Bewust Pensioen (Smart Pension)
• Essentie Pensioen (Essence Pension)
The above products can be combined with a
upplementary surviving dependants’ pension
Our services
• Pension Communication
• The mijn.pensioen (my.pension) pension portal
• Mijn Pensioencoach app (a My Pension Coach app)
• Pensioen Ophelder Service (Pensioen Clarification
Service)
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Comfort Pensioen
Security now
What makes the Comfort Pensioen (Comfort Pension)
so appealing is the fact it offers your employees a
guaranteed pension. They know exactly where they
stand and are not exposed to any risk whatsoever.
Everything is taken care of
Guaranteed pension
Those things your employees enjoy and consider to be important are likely
to be the things they would like to take with them into the future. Through the
Comfort Pensioen you also play your part and ensure their income is supplemented to a certain extent once they retire.
Average salary scheme
The Comfort Pensioen is an average salary scheme under which the accrued
retirement savings are guaranteed. The building up of these retirement savings
is based on an average salary, which means that your employees are assured
of a transparent and guaranteed pension income.
Clarity for your employees
A contemporary pension product must be completely straightforward.
Thanks to Comfort Pensioen your employees will always know exactly where
they stand in terms of their retirement savings. Such a detailed overview is a
welcome option for everyone. Furthermore, your employees can always personally contact our Comfort Pensioen specialists if they have any pension-related
questions. This could include the time at which they decide to retire as well as
issues that may arise when taking on a new job or getting divorced.
Perfect for every employer
The Comfort Pensioen is favoured by employers and their staff who opt for
certainty above returns. It is attractive for every employer.
4
Features of the Comfort Pensioen for you
• An average salary scheme with guaranteed lifelong
pension payments.
• A pension scheme that can be modified to personal
preferences.
• Flexible profit sharing that can be used to reduce
contributions or to protect accrued retirement
savings from inflation (indexation).
• A transparent pension product – you know exactly
where you stand.
• Can be easily extended to include a supplementary
surviving dependants’ pension; voluntary group risk
coverage for the supplementary surviving
dependants’ pension.
Features of the Comfort Pensioen for your employees
• Guaranteed lifelong pension payments.
• Your staff does not have to worry about their
pensions.
• A user-friendly portal ensures they can always
check online how much pension they have
accrued and what they can expect to receive
when they retire.
@deJong; The sun, Bandol
rosé wine and good friends.
Don’t change a thing.
#now #livingthelife
Comfort Pensioen
Most important details
Defined Benefits
Guaranteed pension based on an average salary
Provider
Nationale-Nederlanden Life
Type of scheme
Basic scheme, Top-up scheme. This pension scheme can be taken out for one employee
and upwards and requires an average minimum contribution of € 1,500.00 per partcipant
Supplementary insurance schemes
Partners’ and orphans’ pension, Surviving Dependants Act shortfall pension, waiver of
contribution in the event of incapacity for work, Work and Income (Capacity for Work)
Act invalidity pension, supplementary surviving dependants’ pension
Voluntary supplementary scheme
Not available
Profit sharing
International profit sharing, profit sharing in the event of death or disability and sharing
the interest
Indexation
Conditional indexation, financing provided from the defined profit sharing. Additional
payments can be voluntarily made. The employer can insure a fixed indexation for
payments in the event of death and occupational disability
Investments
Not applicable
Insurance for transfer of accrued benefits
Optional
Method of payment
Options includes direct debit
Communication
Partly on paper and partly electronic
Employer’s Portal
Smart and easy-to-use portal offering details and an overview
Employee’s Portal
Pension Planner allows you to view, online and at any time, the retirement savings you
have accrued
Pension Communication
Additional service available through Nationale-Nederlanden Pension Communication
5
Bewust Pensioen
Choosing now together
The great thing about the Bewust Pensioen (Smart Pension)
is that it allows you to offer both freedom and security to
your staff. Thanks to our Bewust Pensioen you can devote
up to half of your contribution to guaranteed retirement
savings, while the remainder is invested.
Balancing freedom and security
Freedom or security?
No two employees are alike, and some are prepared to take a little more risk
so as to increase their returns. Through Bewust Pensioen your staff are able to
partly determine their pension build-up themselves, with the employee deciding
which portion to invest and which to save. This means that Bewust Pensioen
allows every employee to have a tailored pension.
A pension based on choice
Bewust Pensioen allows you, the employer, to decide which portion of the
employee’s defined contribution is devoted to guaranteed retirement savings,
ranging from 0% to 50%. This is what is known as the employer’s guarantee.
The remaining part of the contribution is invested on behalf of your employees.
Should they want greater security, then they can use our Pension Click, an
option that allows the member to wholly or partly ‘lock in’ the accrued invested
sum as well as the sum invested in the future. At the moment that retirement
takes place, the monthly pension payments will then be: the guaranteed
pension from the employer’s guarantee, the guaranteed pension from the
Pension Click and/or the pension acquired at retirement age from the
remaining sum accrued.
Perfect for employers who want to offer freedom of choice
Bewust Pensioen is attractive to employers and employees seeking the security
of a guaranteed pension as well as returns on investments. It is suitable for
every employer.
6
Features of Bewust Pensioen for you
• Attractive pension package based on investments
as well as a guaranteed component.
• Manageable costs thanks to the defined
contribution product.
• Offer security through the employer’s guarantee.
• Employee can change the portion invested using
the Pension Click.
• Can be easily extended to include a
supplementary surviving dependants’ pension;
voluntary group risk cover for Supplementary
surviving dependants’ pension.
Features of Bewust Pensioen for your employee
• Combination of investments and guaranteed
income, where your employee can choose a
supplementary guarantee.
• Employee can use parts of the invested sum that
has been accrued to buy a pension.
• The manner of investing is based on the personal
risk profile of your employees.
• A transparent overview of the accrued pension, the
consequences of any choices and the pension that
could be expected upon retirement can always be
viewed online thanks to a user-friendly portal.
@dietwee; Off to enjoy
Barcelona next week, does
anyone have any tips on
where to go? #now #enjoying
Bewust Pensioen
Most important details
Defined Contribution
A defined contribution scheme based on investments with a guaranteed component that is
determined by both the employer (employer’s guarantee) and the employee (Pension Click)
Provider
Nationale-Nederlanden Life
Type of scheme
Basic scheme and top-up scheme. This pension scheme can be taken out for upwards of
one employee and requires an average minimum contribution of € 1,500.00 per partcipant
Supplementary insurance
schemes
Partners’ and orphans’ pension, Surviving Dependants Act shortfall pension, waiver of
contribution in the event of incapacity for work, Work and Income (Capacity for Work)
Act invalidity pension, supplementary surviving dependants’ pension
Voluntary supplementary scheme
Not available
Profit sharing
None
Indexation
The employer has the option of insuring the fixed indexation for payments in the event of
incapacity for work and/or death
Investments
Standard: investing in the NN Investment Partners LifeCycle investment solution
(Defensive, Neutral, Offensive)
Insurance for transfer of
accrued benefits
Co-insured as a standard
Method of payment
Direct debit
Communication
Electronic
Employer’s Portal
Smart and easy to use portal offering details and an overview
Employee’s Portal
Pension Planner allows you to view, online and at any time, the retirement savings you
have accrued
Pension Communication
Additional service available through Nationale-Nederlanden Pension Communication
Pension Click
Employees can lock in their retirement savings based on the accrued investment capital
accrued and/or the defined contribution. This option is supported on the Employee’s Portal
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Essentie Pensioen
Decide on the now yourself
What is great about our Essentie Pensioen
(Essence Pension) is that you offer your employees
a great pension at low costs.
Investing in a valuable future
Pension on based on investments
Essentie Pensioen is suitable if you want to offer your staff a pension based on
investments. It goes without saying that the contributions are then expertly
invested in our smart LifeCycle investments. Moreover, it is also important that
the costs remain completely comprehensible to both you and your employees.
Supplementary insurance
In the Essentie Pensioen the entire defined contribution is invested in order
to build up retirement savings for your employees. You can also take out
supplementary insurance for your employees against occupational disability
and death.
Specially developed LifeCycles
The Essentie Pensioen uses a specially developed LifeCycle investment solution
that focuses on your employees and the market conditions. You can choose
between the active and the passive LifeCycle. Under both the active and
passive options the contributions are divided among defensive, neutral and
offensive investments, creating a healthy balance between running investment
risks, the returns and the personal risk profile of your employees.
Careful investing
The Essentie Pensioen is a favourite among employers and employees
who believe that careful investing will ultimately deliver a good pension.
The Essentie Pensioen is suitable for larger companies.
8
Features of the Essentie Pensioen for you
• The scheme is administered by a renowned group
and offered at great all-in price thanks to the
efficient approach and benefits of scale.
• The smart and easy to use employer’s portal
provides details and an overview
• A training module on investing (including due care) is
available to your staff through the employee’s portal.
• A permanent account manager who supports you
and approaches issues constructively.
• Can be supplemented with a supplementary surviving
dependants’ pension through NN Levensverzekering
Maatschappij N.V.; voluntary group risk cover for
supplementary surviving dependants’ pension.
I sent my pension
consultant a huge
ice cream cake.
#now #greatplans
Features of the Essentie Pensioen for your employee
• An intelligent balance between investment risks,
returns and the personal risk profile of your
employees.
• The Essentie Pensioen investment company, NN
Investment Partners, has won the CASH award
multiple times – the ultimate honour by private
investors for the total range of services offered.
• The user-friendly portal allows your staff to check
online at any time the retirement savings they have
accrued and what they can expect to receive when
they retire, thanks to our transparent Pension
Planner. The portal also offers excellent support
when it comes to making investment choices.
• Essentie Pensioen offers you an all-in package.
Aside from the regular build-up of retirement
savings, you can also cover risks for death and
occupational disability in numerous ways.
Essentie Pensioen
Most important details
Defined Contribution
A defined contribution plan based on investments
Provider
NN Premie Pension Instelling B.V
Type of scheme
Basic scheme, Top-up scheme
For employers with at least 100 members or € 250,000.00 in contributions
Supplementary insurance schemes
Partners’ and orphans’ pension, Accrued Dependants Act shortfall pension, waiver of
contribution in the event of incapacity for work, Work and Income (Capacity for Work)
Act invalidity pension, Shortfall insurance supplementary to the Return to Work (Partially
Disabled Persons) Regulations, supplementary surviving dependants’ pension
Voluntary supplementary scheme
Optional for employer: a voluntary supplementary accrual of retirement savings for
employees is available within the tax framework of the scheme
Rate for waiver of contribution in the
event of incapacity for work
This surcharge is determined specifically for you based on the contributors’ information
provided to us
Profit sharing
Result in the event of death for employees (supplementary investments)
Indexation
Optional for employer: fixed indexation insurance for payments in the event of incapacity
for work and/or death
Investing
Optional for employer: Investing in active or passive LifeCycle investments with the
employees having the choice of investing themselves (including a savings account).
Your employees have a choice between Defensive, Neutral and Offensive investing.
Insurance for transfer of accrued benefits
Not applicable
Method of payment
Direct debit
Communication
Members can choose between electronic or paper communication
Employer’s portal
Smart and easy to use portal offering details and an overview
Employee’s portal
Pension Planner allows you to view, online and at any time, the retirement savings you have
accrued. There is also an investment training module (including due care) available for
employees
Pension Communication
Additional service available through Nationale-Nederlanden Pension Communication
9
Pension Communication
For you as an employer pensions are an important and costly secondary employee benefit.
Are your employees aware of the value of this investment, and what this will mean for them?
Transparent and clear explanations help raise awareness when it comes to pensions.
On your own, explaining pensions becomes a complicated and time-consuming affair.
How do you take an active role? The solution we offer is to use the personal approach of
Nationale-Nederlanden Pension Communication!
Most important details
Benefits
Can be customised
Costs
Price depends on the set-up of the pension communication process
Features
• Experienced specialists with expert knowledge of pensions
• Interactive presentation that involve your staff in the subject of pensions
• Increased awareness of pensions among your employees
• You can work together with your own pension consultant
• Open-door consultations at your company
• Personal information interviews (either on company time or after-hours)
• Customised presentations available (such as a specific explanation/demonstration of the
employee’s portal or focused on a specific target group)
• Specific human resources/works council presentation containing more extensive background
information on pensions in the Netherlands and further information on the scheme
Supplementary surviving dependants’ pension
Employees earning a salary of € 100,000 or more accrue less surviving dependants’
pension. The Supplementary surviving dependants’ pension exists in order to avoid
unpleasant surprises and to deal with any shortfall suffered by surviving dependants.
It is a supplementary group risk cover for the net partners’ and orphans’ pension.
Most important details
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Benefits
• Voluntary individual participation; your employees decide whether or not they want to join
• Supplementary scheme is linked to your basic or top-up pension scheme with
Nationale-Nederlanden
Features
• Second pillar group pension scheme
• Cover for both supplementary partners pension and supplementary orphans’ pension
• No medical guarantees are required if employees decide to join at the very start
• This option is only available if the basic or top-up pension scheme is also taken out with
Nationale-Nederlanden
• You deduct the contributions from the net salaries of your employees, i.e. through their payslips
• The Supplementary surviving dependants’ pension is paid out net
• Taxation is waived in box 3
• Employees receive information on the Supplementary surviving dependants’ pension in the
same way they do for the current pension scheme, just like in the Uniform Pension Overview
Pension portal my.pension
Using the my.pension personal pension portal your employees can see at a
glance what their pension status is. In addition, employees can also use the
‘My Calculations’ column to check what effect specific major events have on
their pensions. Employees who are part of the Essentie Pensioen scheme use
a different pension portal, which can be found at www.essentiepensioen.nl.
Most important details
Benefits
• Can be accessed online 24 hours a day
• Manage investments online
Create simulations using My Calculations Features
Features
• Create and update a personal financial file, containing information on issues such as your mort­gage
and other fixed costs (linked to the NIBUD – National Institute for Family Finance Information)
• Employees can also add other pension schemes (such as those entered into during a previous job)
• An understanding of how occupational disability, death or early/late retirement will affect the
pension
• Explanatory brochures and videos available
• Indication of pension sums based on the current market interest rate
• Can be accessed through my.nn.nl
The My Pension Coach app
Pension Clarification Service
Pensions are something that your staff probably doesn’t
think about every day. But it is a fact that the better their
understanding of their pension, the more control they will
have later. Our My Pension Coach app helps your employees make smart decisions when it comes to their pensions.
Employees are increasingly switching jobs. This means
that they also have to manage multiple retirement
savings schemes. This is why we offer our Pension
Clarification Service. This service can tell employees
whether or not it is a good idea to combine retirement
savings schemes. If an employee joins or leaves the
company, then we advise him or her to use this service.
Most important details
Most important details
Benefits
• See at a glance whether they
are on target or falling short
• Direct contact with an expert
• All sums are net
Benefits
• Overview of the various
retirement savings schemes
• Response to queries about
retirement savings
• Available by telephone or online
Features
• See at a glance whether a
sufficient amount has been
accrued
• Know what to do if they are short
of their target
• All our pension schemes summed up
• Everything is listed as net sums
• Optimum data security
• Direct contact with an expert
• Simple instructional videos
Features
•The Pension Clarification
Manager A telephonic helpdesk
manned by our Pension
Customer Service staff to help
resolve any pension questions.
•The Pension Clarification
Indicator An online tool that gives
you an understanding of the
differences between the former
and the new pension schemes
and tells you whether or not it is
worthwhile combining the
schemes.
•Tailored advice For personal
advice, we refer employees to
a personal or general consultant.
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Disclaimer
This information is general in nature and provides a
concise, and thus incomplete, overview. For further
information, please refer to the terms and conditions
and to the offer provided. For advice tailored to your
scenario, please approach an insurance consultant.
No rights can be derived from the text of this brochure.
Would you like to talk to us about the now and
the later?
If so, please get in touch with your pension consultant
Or see www.nn.nl/zakelijkpensioen
2090.40.1511
Or contact us on 010 513 0280