CED's pension plan

CED deposits a monthly premium into your personal retirement savings account. This premium is invested in funds to build up pension capital. On your retirement date, you use this capital to buy a lifelong retirement pension.

By default, your premium is invested through lifecycle investing: the risk of the investments is automatically reduced as your retirement date approaches. You can choose your own risk profile (defensive, neutral or offensive), or you can create your own portfolio from various investment funds.

Yes, you can also choose to convert your contributions directly into a guaranteed retirement benefit from your retirement date.

Yes, if you are employed by CED, you automatically participate in the pension plan.

You pay 4% of your pension base as a co-payment. This amount is automatically deducted from your gross salary. The rest of the contribution and all costs are borne by CED.

Yes, you can voluntarily deposit additional premium through your gross salary (tax-advantaged). If you choose the maximum additional deposit, CED will reimburse 30% of this additional premium.

Yes, you can. The standard retirement age is 68, but you can choose to retire earlier or later. The amount of your pension then depends on the capital built up and when you start.

Then your policy becomes premium-free. No more premiums are paid, but your capital remains invested and can continue to grow. You remain a beneficiary of the policy.

You are legally entitled to value transfer to your new employer's pension provider. Get a quote there to determine if this is beneficial for you.