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, the calculation takes more account of the investment policy. As a result, the shown returns are now more in line with the actual result of your pension capital.
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.
- Good to know:
- The value of investments can both rise and fall. Past performance is no guarantee of future results. No rights can be derived from this document..