Investment method
In part, you get to choose for yourself
Besides your pension accrual in the basic scheme, do you also accrue pension through the supplementary scheme(s)? Then you can partly choose how the premiums are invested.
If you do not choose, you will be allocated an investment mix based on a neutral profile. For all risk profiles, the older you are, the less risky your investments become. After all, as your retirement date approaches, you have less time to recoup any losses. More risky investments, on the other hand, offer a greater chance of higher returns in the long run. Over time, the balances already built up in your account are always adjusted to the lifecycle that suits your age.
Do you want to choose how to invest in the supplementary scheme? Then your investment profile will be determined first, after which you can choose from the investment mixes available. There are investment mixes that are less risky and on average have a slightly lower return expectation. There are also riskier mixes, which on average can deliver higher returns. With none of the mixes can one say in advance what the returns will be from the investments.
View the composition of the different life cycles here