{"id":4675,"date":"2025-09-18T17:00:15","date_gmt":"2025-09-18T15:00:15","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/investments\/"},"modified":"2026-05-29T17:20:36","modified_gmt":"2026-05-29T15:20:36","slug":"investments","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/content\/investments\/","title":{"rendered":"Investments"},"content":{"rendered":"

Your pension at SPIN is invested. We pursue a solid, well thought-out investment policy and do our utmost to arrange this with all due attention. In doing so, we have an eye for the environment, fellow human beings and social issues. We work carefully to achieve a good and responsible return. We take no more risk than necessary. Risk management is our priority. Want to read more about our investment policy and how we deal with SRI? Then look here<\/a>. <\/p>\n

Investing in a Defined Contibution (DC) scheme
\n<\/strong>In a DC scheme<\/a>, you have your own pension pot in which your pension capital is invested for you by us. You bear the investment risk. In My SPIN we explain how that works<\/a> and how you can use your investment profile<\/a> to influence the way we invest for you and how that can affect the expected amount of your pension capital before and after retirement. You can also influence the amount of your pension capital by making additional investments<\/a>. <\/p>\n

You can track the status of your pension capital online through Balance DC Capital<\/a>.<\/span><\/p>\n

You can find the returns of different investment profiles for different ages here<\/a>.<\/p>\n

Investing in a Defined Benefit (DB) plan
\n<\/strong>In the DB plan<\/a>, SPIN must ensure that there is always enough money to continue paying pension benefits now and in the future. This is why SPIN bears the investment risk here. <\/p>\n

To achieve that, we spread our investments well. We choose different types of investments, each contributing in its own way: <\/p>\n