Скачать или смотреть Everyone switching to a flat rate? Check the transition plan | Aegon Cappital

Most pension schemes currently have a premium that increases with your age. Also known as an age-increasing premium. That means the percentage depends on your age. For example, if you are 26, your premium may be 9%. And that of your 10 year older colleague 12.1%. This will change soon.

In the renewed pension system, everyone will switch to a flat, age-independent contribution. This means that every employee who accrues pension contributes the same percentage of his salary for his or her pension. Suppose the employer in the example above opts for a flat premium of 10%. For a younger employee, a higher premium (+1%) and for an older employee a lower premium (-2.1%).

Transition
This means that all employees will transfer to the new scheme and will therefore all have to deal with the flat premium. Sounds good right? For some employees yes, for others less so. Switching to a flat contribution is not favorable for someone who has been building up pension for some time. Your premium can then go from 28% to 19%, for example. That is a big difference. Employees who suffer losses as a result must be compensated. This must be agreed in a transition plan.

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