{"id":5081,"date":"2019-12-01T15:17:44","date_gmt":"2019-12-01T14:17:44","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/dc-returns\/"},"modified":"2026-05-19T13:36:49","modified_gmt":"2026-05-19T11:36:49","slug":"dc-returns","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/page\/dc-returns\/","title":{"rendered":"DC returns"},"content":{"rendered":"<section class=\"l-section wpb_row height_auto\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p id=\"\">Below you can see what the different investment profiles have yielded recently in the different age cohorts.<br \/>\nFor the overview of your own investments and the state of your DC capital, you can visit MySPIN <a href=\"https:\/\/mijn.spin.nl\/ui.aspx?page=\/employee\/presentvalue\">here<\/a>.<\/p>\n<p>We update you quarterly on market developments. You can read about them in our news releases. Click <a id=\"\" href=\"https:\/\/spin.nl\/en\/page\/market-trends-and-dc-returns-first-quarter-2026\/\">here<\/a> for the latest report on developments in the financial markets.<\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-image align_center\"><a ref=\"magnificPopup\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-ambitieus.jpg\" aria-label=\"April ambitieus\" class=\"w-image-h\"><img decoding=\"async\" width=\"1117\" height=\"667\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-ambitieus.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-ambitieus.jpg 1117w, https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-ambitieus-300x179.jpg 300w, https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-ambitieus-1024x611.jpg 1024w\" sizes=\"auto, (max-width: 1117px) 100vw, 1117px\" \/><\/a><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-image align_center\"><a ref=\"magnificPopup\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-neutraal.jpg\" aria-label=\"April neutraal\" class=\"w-image-h\"><img decoding=\"async\" width=\"1319\" height=\"658\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-neutraal.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-neutraal.jpg 1319w, https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-neutraal-300x150.jpg 300w, https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-neutraal-1024x511.jpg 1024w\" sizes=\"auto, (max-width: 1319px) 100vw, 1319px\" \/><\/a><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-image align_center\"><a ref=\"magnificPopup\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-behoudend.jpg\" aria-label=\"April behoudend\" class=\"w-image-h\"><img decoding=\"async\" width=\"1122\" height=\"679\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-behoudend.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-behoudend.jpg 1122w, https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-behoudend-300x182.jpg 300w, https:\/\/spin.nl\/wp-content\/uploads\/2026\/05\/April-behoudend-1024x620.jpg 1024w\" sizes=\"auto, (max-width: 1122px) 100vw, 1122px\" \/><\/a><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>* We measure the performance of the market through a so-called benchmark. .<\/p>\n<p>** Here you can see the difference between the SPIN return and the market return (according to the benchmark). It indicates whether and to what extent the SPIN investments performed better or worse than the benchmark. Want to know more about costs? Then look <a href=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/10\/Uitvoeringskosten-DC-2024.pdf\">here<\/a>.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Below you can see how it works, building up a pension capital with SPIN. And what happens if your pension capital drops as you approach your retirement date.<\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-video align_none ratio_16x9 has_iframe\"><div class=\"w-video-h\"><iframe title=\"Vimeo video player\" src=\"https:\/\/player.vimeo.com\/video\/795270597?autoplay=0&loop=0&autopause=0&color=00adef&portrait=0&byline=1&title=1&controls=1&muted=0\" frameborder=\"0\" allow=\"autoplay; fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image align_none\"><a ref=\"magnificPopup\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2019\/12\/202604-grafiek-inkooptarieven.jpg\" aria-label=\"202604 grafiek inkooptarieven\" class=\"w-image-h\"><img decoding=\"async\" width=\"628\" height=\"591\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2019\/12\/202604-grafiek-inkooptarieven.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2019\/12\/202604-grafiek-inkooptarieven.jpg 628w, https:\/\/spin.nl\/wp-content\/uploads\/2019\/12\/202604-grafiek-inkooptarieven-300x282.jpg 300w\" sizes=\"auto, (max-width: 628px) 100vw, 628px\" \/><\/a><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Below you can see what the different investment profiles have yielded recently in the different age cohorts. For the overview of your own investments and the state of your DC capital, you can visit MySPIN here. We update you quarterly on market developments. You can read about them in our news releases. Click here for...","protected":false},"author":1,"featured_media":5151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-5081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-page"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DC returns - 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\/page\/dc-returns\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DC returns - Stichting Pensioenfonds IBM Nederland%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/spin.nl\/en\/page\/dc-returns\/\" \/>\n<meta property=\"og:site_name\" content=\"Stichting Pensioenfonds IBM Nederland\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-01T14:17:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-19T11:36:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/spin.nl\/wp-content\/uploads\/2022\/12\/over_ons-p-1080.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"608\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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\\\/page\\\/dc-returns\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/page\\\/dc-returns\\\/\"},\"author\":{\"name\":\"Michael Waterreus\",\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/#\\\/schema\\\/person\\\/9987e322c544042fb61b421cc97d2ca6\"},\"headline\":\"DC returns\",\"datePublished\":\"2019-12-01T14:17:44+00:00\",\"dateModified\":\"2026-05-19T11:36:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/page\\\/dc-returns\\\/\"},\"wordCount\":278,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/page\\\/dc-returns\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/spin.nl\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/over_ons-p-1080.jpeg\",\"articleSection\":[\"Page\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/spin.nl\\\/en\\\/page\\\/dc-returns\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/page\\\/dc-returns\\\/\",\"url\":\"https:\\\/\\\/spin.nl\\\/en\\\/page\\\/dc-returns\\\/\",\"name\":\"DC returns - 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