The renewal of the Dutch pension system has been on the table for quite some time. But even without a Pension Agreement, much has changed already over the past years. Many companies have switched to a defined contribution scheme or are considering that. Cost control and individualization are important themes in this decision.
The employee is going to bear more risk and has to make his own choices.
- In which investment funds or lifecycles can I best invest my pension capital?
- Do I need to save more for my pension, and if so, how much?
- Should I take out additional pension insurance or should I repay more on my mortgage?
For many people, these are difficult choices. Issues with which they need straight-forward and reliable advice.
Fulfilling this need for advice is in the interest of the employee, but certainly also of the employer. Pension is an important employment benefit. Supporting employees in making the right choices contributes significantly to their appreciation of the employment benefits. The fact that stipulations about financial advice for employees meanwhile are included in 45% of the CLAs, illustrates that.
Innovative technology and personal advice
Söderberg & Partners believes in the combination of personal advice and intelligent technology to arrive at the best solution. Depending on the complexity of the question, you determine the right mix of self-service (with advisory software) and the use of financial coaches. Coaching can be done in group training sessions and/or in personal conversations.