Compagnon's pension plan
            The defined contribution plan is administered by Aegon Cappital.
          
        
        
        
          
        
        
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          Pension accrual at Compagnon
        
      
      As an employee of Compagnon, you build up a pension through a defined contribution plan. This means that a monthly premium is paid into your personal pension savings account. This premium is invested and forms the basis for a lifelong pension income from your retirement date.
This page answers the most frequently asked questions about your retirement plan.
Good to know
How do I build up a pension?
You accrue pension on your salary above the AOW deductible. We call this your pension base. Compagnon pays pension premium on this part, which you use to accrue pension.
              
              What is a defined contribution plan?
Each month, Compagnon deposits a premium into your retirement savings account. This premium is invested and forms a capital with which you can later purchase a pension. The amount of the premium depends on your age and pension base.
              
              How will my premium be invested?
By default, investments are made through life cycle investing. Here the investment risk decreases as you get closer to your retirement date. You can choose a defensive, neutral or offensive profile.
              
              Can I also choose my own investments?
Yes, you can also choose to build your own investment portfolio with the available mutual funds.
              
              Can I choose a guaranteed retirement benefit?
Yes, if you don't want to invest, you can convert the contributions directly into a guaranteed retirement benefit from your retirement date.
              
              When do I join the pension plan?
If you are employed by Compagnon, you automatically participate in the pension plan.
              
              How much do I pay myself in retirement?
You yourself pay 5% of your pension base as your own contribution. Compagnon deducts this amount from your gross salary. The rest of the premium and all costs are paid by Compagnon.
              
              Can I retire earlier or later?
The standard retirement age is 68. However, you can choose to retire earlier or later. This affects the amount of your pension.
              
              What happens if I leave employment?
Your policy is then made non-contributory: you no longer build up a new pension, but your existing capital continues to be invested. Are you transferring to an employer with a pension plan? Then you can opt for value transfer to the new pension provider.
              
              Get in touch
Would you like to speak to one of our specialists? Feel free to ask your questions by phone, form or e-mail. We are happy to assist you.
                
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