{"id":4325,"date":"2025-11-18T12:10:25","date_gmt":"2025-11-18T11:10:25","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/pension-choices-and-purchasing-power\/"},"modified":"2026-01-21T14:47:43","modified_gmt":"2026-01-21T13:47:43","slug":"pension-choices-and-purchasing-power","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/content\/pension-choices-and-purchasing-power\/","title":{"rendered":"Pension choices and purchasing power"},"content":{"rendered":"

Your pension, your choice – but one that has a big impact on your financial future. Will you go for the security of a fixed amount, or for more opportunity for growth with a variable pension? Don’t wait until retirement, start thinking now about the pension that suits your life and wishes. Find out what the differences are between a variable and a fixed pension, which investment profile goes with it, and how you can stay in smart control of your purchasing power. Your pension starts today! <\/p>\n

Variable or fixed pension: what’s the difference?<\/span><\/strong><\/p>\n

Variable pension: Part of your pension capital remains invested after you retire. This allows your pension capital to grow. If investments do well, your benefits go up. But investments can also do worse. Your benefit will then go down. <\/span><\/p>\n

Fixed pension: You receive the same amount every year. This provides security, but your purchasing power is likely to decrease due to inflation. <\/span><\/p>\n

Look already <\/strong>which<\/strong> investment profile that suits you<\/strong> <\/span><\/p>\n

It’s not until you retire that you definitely choose a variable or a fixed pension. Still, it’s smart to think about it now. Because your choice later is consistent with how you invest now. <\/span><\/p>\n

What is an investment profile?<\/strong><\/span><\/p>\n

Your investment profile determines how much risk you want to take with your retirement money. You can choose from: <\/span><\/p>\n