{"id":5024,"date":"2020-12-01T15:17:44","date_gmt":"2020-12-01T14:17:44","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/falling-investments-what-does-it-mean-for-your-retirement\/"},"modified":"2020-12-01T15:17:44","modified_gmt":"2020-12-01T14:17:44","slug":"falling-investments-what-does-it-mean-for-your-retirement","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/content\/falling-investments-what-does-it-mean-for-your-retirement\/","title":{"rendered":"Falling investments: what does it mean for your retirement?"},"content":{"rendered":"

Just before your retirement date, we invest your money differently<\/strong><\/p>\n

In recent months, interest rates have risen sharply. At the same time, stock prices worldwide fell. That combination has also caused the value of DC investments to fall. What does this mean for your pension? We design our investments to stabilize your expected pension as much as possible. We invest more in bonds than stocks just before your retirement date. We do this to minimize the risk of a lower pension from your DC capital. <\/p>\n

With higher interest rates, you can buy into a higher pension<\/strong><\/p>\n

The value of investments is only one side of the equation. Rising interest rates reduce the value of your bonds. But the amount of pension you can purchase with your capital from an insurer actually increases with higher interest rates. The higher the interest rate, the higher the pension you can purchase with your capital. When interest rates fall, the exact opposite happens. <\/p>\n

The most stable pension possible<\/strong><\/p>\n

Our goal is to ensure that your expected DC pension just before your retirement date remains as stable as possible. Even if interest rates rise or fall. Therefore, every month we monitor how much pension you can buy from different insurers. Compared to a year ago, insurers now give about 27% more pension for every euro of pension capital. This more than makes up for the current drop in investments of about 20%. <\/p>\n

Wondering how market trends affect your expected retirement? Then log in to MySPIN<\/a>. <\/p>\n

\u200d<\/p>\n","protected":false},"excerpt":{"rendered":"

What declining investments mean for your DC pension<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-5024","post","type-post","status-publish","format-standard","hentry","category-content"],"acf":[],"yoast_head":"\nFalling investments: what does it mean for your retirement? - Stichting Pensioenfonds IBM Nederland%<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/spin.nl\/en\/content\/falling-investments-what-does-it-mean-for-your-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Falling investments: what does it mean for your retirement? - Stichting Pensioenfonds IBM Nederland%\" \/>\n<meta property=\"og:description\" content=\"What declining investments mean for your DC pension\" \/>\n<meta property=\"og:url\" content=\"https:\/\/spin.nl\/en\/content\/falling-investments-what-does-it-mean-for-your-retirement\/\" \/>\n<meta property=\"og:site_name\" content=\"Stichting Pensioenfonds IBM Nederland\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-01T14:17:44+00:00\" \/>\n<meta name=\"author\" content=\"Michael Waterreus\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michael Waterreus\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/content\\\/falling-investments-what-does-it-mean-for-your-retirement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/content\\\/falling-investments-what-does-it-mean-for-your-retirement\\\/\"},\"author\":{\"name\":\"Michael Waterreus\",\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/#\\\/schema\\\/person\\\/9987e322c544042fb61b421cc97d2ca6\"},\"headline\":\"Falling investments: what does it mean for your retirement?\",\"datePublished\":\"2020-12-01T14:17:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/content\\\/falling-investments-what-does-it-mean-for-your-retirement\\\/\"},\"wordCount\":257,\"commentCount\":0,\"articleSection\":[\"Content\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/spin.nl\\\/en\\\/content\\\/falling-investments-what-does-it-mean-for-your-retirement\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/content\\\/falling-investments-what-does-it-mean-for-your-retirement\\\/\",\"url\":\"https:\\\/\\\/spin.nl\\\/en\\\/content\\\/falling-investments-what-does-it-mean-for-your-retirement\\\/\",\"name\":\"Falling investments: what does it mean for your retirement? 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