Returns

How did these developments affect returns in 2025? This is shown for each investment profile below. The calculation date is June 30, 2025.

Note: The calculation of returns has changed compared to the previous year. From this year, we no longer take into account the administration and management costs of a.s.r. We do include the costs of the fund managers.

Explanation of Calculation Methodology

  • The tables show the preliminary returns on the opening balance of a period up to June 30, 2025. Lifecycle investing means that investments are made according to the employee's investment profile. New premiums are invested every month. As a result, the final return for an employee may differ from the shown return.
  • The figures in the tables include the costs of the fund managers but exclude the costs charged by a.s.r. These costs may vary per employer.
  • In the past, the investment strategies (the investment mix) has been gradually improved. These improvements are included in the figures above.
  • We apply rebalancing according to the investment policy. Rebalancing is bringing the investments back into balance to the strategic weights.
  • The long-term returns (3-year and 5-year) represent the average annual returns over the specified period.
  • When calculating the returns, we take into account the age and investment mix of the employee.
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The returns shown on this page have been compiled by a.s.r. with due care. No rights may be derived from this information.