Hybridpensionen; förmånsbestämt och premiebestämt pensionslöfte


DB solutions with built-in guarantees have proven their worth during the crisis. The Dutch pension market has developed a solution, the ‘guaranteed contract’, that is unique in the worldwide pensions markets. Under a ‘guaranteed contract,’ an insurance company offers a DB plan that has downside protection while also giving the freedom to choose an investment mix and to profit from potential gains. The guaranteed contract applies not just to accrued benefits, but to ongoing accrual, as well. The contract runs for five years. All liabilities that accrue over those five years will be guaranteed, for which a premium is paid. After five years the contract may be renegotiated.

Coverage ratio guaranteed contract

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