Hybrid Pension — for employees

Hybrid pension is a new pension scheme that combines elements from a traditional defined contribution pension plan and a defined benefit pension plan with an individual retirement savings account to which the employee and employer contribute money.

Investment selection or guarantee

The company can choose between a hybrid pension scheme with investment options or a hybrid pension scheme with a guaranteed return.

In an investment option scheme, the individual employee can influence how the pension assets are invested.

In a hybrid pension with a guarantee, the pension assets are placed in a specific pension profile hedged against negative value development.

Not sure about your pension portfolio?

We have made a web application that collects all your pension schemes in one place. Log in and get a full overview of your pension assets.

What is hybrid pension?

  • If you are over 13 years old you are part of your employer's hybrid pension scheme.

  • The employer pays an annual pension contribution of your salary to the pension plan. The annual contribution is slightly higher for women than for men. This is because women have a higher life expectancy than men, thus involving a larger pension holding for female employees.

  • You can start payout from the age of 62. The pension payout is usually lifelong.

  • The payout depends on the investment selection your employer has chosen for the pension scheme.

  • If you die before all the pension money has been paid out, what is left will be transferred to the insurance community and not to your surviving relatives.