Investment update Q4 2025 Cappital Pension

Example Calculation – Retiring in Q4 2025

Gerard is 68 on January 1, 2025 and wants to retire. • His pension capital is 100,000 euros. • The interest rate at that time is 2.3 percent. • At that interest rate, he receives a lifelong pension of 429.68 euros gross per month.

Mariët turns 68 one year later and retires on January 1, 2026. • She has a neutral investment profile. • Twelve months ago, she had 100,000 euros in pension capital, the same as Gerard. • Her pension capital has increased by 0.44% over the past 12 months to 100,440 euros, without any additional premium contributions. • The interest rate at that time is 3.3 percent. • At that interest rate, she receives a lifelong pension of 476.56 euros gross per month.

Due to the investment return and the change in interest rates over the past 12 months, Mariët receives 10.9 percent more pension than Gerard.