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We manage, administer and invest the following types of pensions for our participants:

• Defined Benefit Pension (DB): in this, (former) employees build up pension rights in a career average earnings scheme. We try to allow this pension to partially increase with inflation each year.
• Defined Contribution (DC) Pension: Under this plan, current and former employees build up individual pension assets that they convert into a pension benefit from an insurer upon retirement.
• Survivor’s pension: we make sure that if an IBM employee dies during employment, there is a pension for his or her family.
• Disability: we regulate the accrual and payment of supplementary pensions of the disabled.

We pursue a solid, well-considered investment policy. We are mindful of the environment, people and social issues. We work in a careful manner; risk management is our priority.

In addition to management and execution, we stay well abreast of new developments, conduct research, attend professional education and training, and make use of our extensive network in the pension industry. This keeps our knowledge and expertise up to date and enables us to respond to the many challenges we face.