What does investing cost and what does it yield?

You and your employer put aside money for your pension. You both contribute money every month. We invest that money. So together we make sure you have a good pension.

Wat levert het op?

We zetten alles op alles om een zo goed mogelijk resultaat te halen. Dat lukt vaak, zoals je ziet. Maar niet altijd. Zo verloren de beleggingen in 2022 maar liefst 23,3 procent van hun waarde. Dat lijkt heftig. En eerlijk is eerlijk: het is een percentage dat we niet eerder hebben gezien. Toch is het niet meteen slecht nieuws voor je pensioen. Onze dekkingsgraad is in diezelfde periode namelijk gestegen. Dat komt door de gestegen rente. De dekkingsgraad bepaalt uiteindelijk of we de pensioenen kunnen verhogen.

We werken het overzicht ieder jaar bij. De volgende keer is eind juni 2027.

What's in it for you?

We do everything we can to get the best possible result. As you can see, we are often successful. But not always. In 2022, for instance, our investments lost no less than 23.3 percent of their value. That seems massive. And truth be told: it wasn't a percentage we had seen before. Yet it isn't necessarily bad news for your pension. Because in that same period, our coverage ratio increased. This was due to the increased interest rate. The coverage ratio ultimately determines whether we can increase pensions.

Wat kost het?

Bij onze beleggingen kijken we naar de balans tussen rendement, kosten en risico. Dure beleggingen en beleggingen met meer risico moeten ook meer rendement opleveren. Het is ons doel om de kosten onder een marktconform niveau te houden. We vergelijken onze kosten daarom jaarlijks met de kosten van vergelijkbare pensioenfondsen.

In de afbeelding zie je de kosten van het vermogensbeheer als percentage van het belegd vermogen. We werken de afbeelding ieder jaar bij. De volgende keer is eind juni 2027.

How much does it cost?

For our investments, we look at the balance between yield, costs and risk. Expensive investments and high-risk investments must yield more. Our goal is to keep costs below market level. To do so, we compare our costs to those of similar pension funds every year.

The figure shows the costs of asset management as a percentage of invested capital.

And what about CO2 emissions?

We invest for a good pension. But you can only enjoy a good pension in a liveable world. That's why we have set ourselves ambitious goals. We want the companies we invest in through equity or corporate bonds to have halved their CO2 emissions by 2030 compared to 2019. As you can see, we have already achieved that goal for our equity. 

Would you like to know more? Our climate plan tells you everything about our goals and how we intend to achieve these. And in our annual report you can see whether we actually deliver on those promises.

The returns are yours

PME is a foundation. As such, we don't make a profit for ourselves. Our objective is to secure a good pension for you. This means the return on investments are for you, and for everyone who accrues pension with us. Would you like to know how much is in it for you?

 Check your pension