Choosing your own investment funds

How does ‘Self-investment’ work?

If you use the possibility to choose your own investment funds for your pension, you can choose from the investment funds that are available within your pension scheme. Before you choose your investment funds, you must first determine your risk profile with the risk profiler. This helps you determine how much investment risk suits you. You can then submit your choice of investment funds using the fund selection form on this page.

Taking responsibility for investments

You yourself are responsible for choosing the investment funds that are appropriate to your preferences and situation. It is therefore up to you to make sure the degree of risk exposure is appropriate to you. Is your Dutch state retirement (AOW) age approaching? If so, we will not automatically reduce the investment risk for you.

If you choose ‘Self-investment’, it is important that you have sufficient knowledge of and experience with investing as this will allow you to assess the risks effectively and to reduce the investment risk yourself as your actual retirement date approaches. Do you think you will want a fixed pension benefit after your retirement date that is not to be invested? In that case, we recommend reducing your higher-risk investments as much as possible. Does a variable benefit whereby part of your pension money is invested suit you better? In that case, you can do this by reducing the higher-risk investments to a lesser degree.

Making and submitting your choice

For your pension scheme with the Index and Performance-driven types of investment, you can choose from the investment funds associated with these two types of investment with the help of the risk profiler. You must always set the risk profiler before you can submit a new fund choice. Or you must have done it less than a year ago.

If you have a Persoonlijk Pensioen Plan, and you have access to mijn.nn Financial Future for this pension scheme, you can set the risk profiler online on mijn.nn Financial Future. Click on mijn.nn at the top right to log in. If you have not yet created an account or you have forgotten your login details, we will help you on that screen. If you do not have access to mijn.nn Financial Future for your pension scheme, you can download and fill in the risk profiler in PDF below.

If you have a Pensioen Continu Plan then you can download and fill in the risk profiler (‘risicoprofielbepaler’) in PDF below.

Risicoprofielbepaler Index-Prestatiegericht (Dutch only)

Using your risk profile, you can then choose which funds you want us to invest in. You can view the fund information and prices at Prices and fund information for the Index and Performance-driven types of investment (Dutch only). You can submit your choice of funds by downloading and filling in the fund choice form (‘fondskeuzeformulier’) in PDF below.
Please note: if you filled in the risk profiler in PDF instead of online, send it together with your fund choice form.

Fondskeuzeformulier Zelf beleggen Index-Prestatiegericht (Dutch only)

Costs for Self-investment

Running costs

Running costs include all costs charged by the fund manager for the management of the investments. The fund manager takes these costs out of the total fund assets. The costs are expressed as a percentage of the value. You will not see these costs separately in overviews of your pension insurance, because these costs are included in the price of the investment fund. You can find these costs at Prices and fund information for the Index and Performance-driven types of investment (Dutch only). Click on the name of the fund and then on the tab ‘Feiten’.

Spread

Running costs do not include transaction costs incurred by the fund manager for buying and selling the investments in the investment fund. If the fund manager buys additional investments for you or sells investments for you, a surcharge or discount on the transaction price often applies. This surcharge or discount is intended to protect current investors in the investment fund against costs arising from additional purchases or sales. These costs are also referred to as entry or exit charges, or ‘spread’. These costs too are not stated in overviews, because they are included in the price of the fund. You can find these costs on the page Prices and fund information for the Index and Performance-based types of investment (Dutch only). Click on the name of the fund and then on the tab "Feiten".

Management fees

In addition to the costs included by the fund manager in the price, Nationale-Nederlanden charges management fees for:

• managing the lifecycles;
• changing the investments within the lifecycles;
• compiling the range of investment funds that you can choose yourself;
• providing information about the investments.

The management fees are a percentage of the value of the investments. We deduct these fees from the value of the investments. The amount of these costs is stated in the letter about "New investment funds for your pension", that you received at the end of 2020 or the beginning of 2021. You can also find this letter in mijn.nn under "My documents".

If the value of your investments is invested in several investment funds, we deduct the management fees periodically from the value of the investment funds. We do so in proportion to the value of the investment funds.

Purchase and selling costs

Nationale-Nederlanden may charge costs for the purchase or sale of the investments. The amount of these costs can be found in tier 2 of your Pension 1-2-3 or in your pension regulations.