The Pension Agreement – Turning it upside down: Yellowtail, Ortec Finance and Ohpen
\n“To improve the financial quality of life of participants”
\nThat's the goal of Yellowtail, Ortec Finance and Ohpen. Thursday March 11, 2021, we hosted a joint webinar about the new Pension Agreement. First, guest speaker Stephan van Stalborch had the floor. A lot has changed at a rapid pace in the past year. One change that has taken a lot longer, 11 years to be precise, is the change in our pension system. The transition from the old to the new contract will take four years, with the transition FTK coming into effect from 2022. The new pension contract ensures that pensions can and will move faster with the economy.
\nAccording to him, the possibilities of the new contract lie in more transparency, among other things. Currently, it is difficult for young people as well as the elderly to determine which part of the collective pension “pot” belongs to him or her. With the new contract, this will be made transparent to everyone.
\nBelieve it or not, pension communication is still largely limited to old-fashioned letters sent by post. Jan Marten van Seijst from Yellowtail’s main message was 'go digital'.
\nJan Marten's main goal is to activate the participant (an employee who is building up a pension, or a pensioner). Most do nothing with the letters they receive and if they do read the letters, they are difficult to understand. Add to this that the pension is a 'low interest' product, it only becomes interesting from the age of 55, so why should the participant do anything with it now?
\nHowever, it is important that the participant gets to work with it now. So, pension providers need to activate them and to get that done: 'go digital'.
\nBut, what does this digitisation mean for pension providers?
\nIn addition, it is important to experiment with the different channels that are used and to analyze the data from these, measuring is knowing. We will soon enter a new system which will entail more risks and uncertainty. It is very important to remove complexity here. Make it manageable and understandable for the participant.
\nIn summary: Turning it upside down
\n“Use the momentum! Start experimenting with channels and remove the complexity for the participant.”
\nThen, David Kronbichler from Ortec Finance spoke about the communication to the participant.
\nA common goal when people retire is to travel the world. With the new pension system, we must help people understand whether this is possible for them to achieve.
\nCurrently, we communicate through the navigation metaphor. This allows us to bring all pension income together in a consistent and uniform manner and to map out the associated risks. The Netherlands is at the forefront here, compared to the rest of the world. However, the communication behind this is still “one size fits all”. Everyone still has to determine for themselves whether the pension is sufficient to achieve their intended goals. It turns out that people find it difficult to make this translation themselves, which is why we as a sector have to take steps to better organize this communication for the participant. Here, it is important to centralize the personal goals, instead of the pension product. However, there is more to it, because you need the full financial picture to estimate whether these goals can be achieved. But, this is the only way to communicate correctly about this and to provide insight into the pension product.
\nThe overall picture will therefore become more important, looking at the new pension agreement. But, in this case the whole financial situation needs to be taken into account before anything can be done with the Lumpsum. That is why the focus must be on what the participant wants, and not on the Lumpsum.
\nIn summary: Turning it upside down
\n\"Do not put the pension product at the center of the communication, but centralize the personal goals instead and show the positive contribution that pensions can make to achieve these goals.\"
\nBut where should all this data come from? Those are the participants' own potjes. Lex Solleveld from Ohpen provides insight into what it is like “under the hood”.
\nThe new pension agreement comes with two variants: the New Pension Contract (NPC), mainly aimed at convenience, and the Improved Contribution Scheme Act (WVP), where the choices lie with the participant. However, under the hood, both variants are actually very similar. Both variants involve investing and the goals are also the same: a good pension. We also have the “potjes”. In both variants there are own potjes, investment accounts, and the way in which investments are made is also comparable. The cohorts in the NPC contain a risk reduction towards the retirement date and the WVP contains the well-known lifecycle investment, which also has a reduction in risk. In the NPC there is the compulsory solidarity reserve and there is also an option in the WVP to include a solidarity reserve. Last but not least, there is investment and therefore uncertainty in both variants. That is why there are projections that should give the participants an idea of what they expect to receive in future pension.
\nBut, how can the risks be mapped out in a transparent way? An investment administration is perfectly set up for this. What does this mean?
\nIn both variants, each participant receives their own “potje” (investment account). The premium goes into the individual potjes for all active members until the retirement date and after retirement the payment is withdrawn from the potjes. If you want to be able to control this in the NPC variant, you need to take all reserves into account. Not only the potjes of the participants, but all the elements that you use to control the future pension of your participants. So, also set up separate potjes (accounts) for your reserves. Make it transparent and clear. The entire existing pot must be split into several pots for this to work. The actuarial department then manages it by simply shifting fund participations (units) between potjes. For the most part, by using internal transfers, this can be done without passing on transaction costs.
\nAs for disbursements, there are many payment variants that must be administered in an efficient and workable manner. This works well in an investment administration. When the age of a member is known, a payment schedule must be linked to this from the pension administration, which indicates which variant applies. The combination of these makes it possible to determine on a monthly basis what should be sold from the funds of the investments in order to finance the pension payment. Because all reserves of the pension fund are also placed in potjes, when the individual pot is empty, the same system can continue as usual.
\nIn summary: Turning it upside down
\n\"Don't make the participant's potje a closing post, but put this central.\"
","desktop_body":"The Pension Agreement – Turning it upside down: Yellowtail, Ortec Finance and Ohpen
\n“To improve the financial quality of life of participants”
\nThat's the goal of Yellowtail, Ortec Finance and Ohpen. Thursday March 11, 2021, we hosted a joint webinar about the new Pension Agreement. First, guest speaker Stephan van Stalborch had the floor. A lot has changed at a rapid pace in the past year. One change that has taken a lot longer, 11 years to be precise, is the change in our pension system. The transition from the old to the new contract will take four years, with the transition FTK coming into effect from 2022. The new pension contract ensures that pensions can and will move faster with the economy.
\nAccording to him, the possibilities of the new contract lie in more transparency, among other things. Currently, it is difficult for young people as well as the elderly to determine which part of the collective pension “pot” belongs to him or her. With the new contract, this will be made transparent to everyone.
\nBelieve it or not, pension communication is still largely limited to old-fashioned letters sent by post. Jan Marten van Seijst from Yellowtail’s main message was 'go digital'.
\nJan Marten's main goal is to activate the participant (an employee who is building up a pension, or a pensioner). Most do nothing with the letters they receive and if they do read the letters, they are difficult to understand. Add to this that the pension is a 'low interest' product, it only becomes interesting from the age of 55, so why should the participant do anything with it now?
\nHowever, it is important that the participant gets to work with it now. So, pension providers need to activate them and to get that done: 'go digital'.
\nBut, what does this digitisation mean for pension providers?
\nIn addition, it is important to experiment with the different channels that are used and to analyze the data from these, measuring is knowing. We will soon enter a new system which will entail more risks and uncertainty. It is very important to remove complexity here. Make it manageable and understandable for the participant.
\nIn summary: Turning it upside down
\n“Use the momentum! Start experimenting with channels and remove the complexity for the participant.”
\nThen, David Kronbichler from Ortec Finance spoke about the communication to the participant.
\nA common goal when people retire is to travel the world. With the new pension system, we must help people understand whether this is possible for them to achieve.
\nCurrently, we communicate through the navigation metaphor. This allows us to bring all pension income together in a consistent and uniform manner and to map out the associated risks. The Netherlands is at the forefront here, compared to the rest of the world. However, the communication behind this is still “one size fits all”. Everyone still has to determine for themselves whether the pension is sufficient to achieve their intended goals. It turns out that people find it difficult to make this translation themselves, which is why we as a sector have to take steps to better organize this communication for the participant. Here, it is important to centralize the personal goals, instead of the pension product. However, there is more to it, because you need the full financial picture to estimate whether these goals can be achieved. But, this is the only way to communicate correctly about this and to provide insight into the pension product.
\nThe overall picture will therefore become more important, looking at the new pension agreement. But, in this case the whole financial situation needs to be taken into account before anything can be done with the Lumpsum. That is why the focus must be on what the participant wants, and not on the Lumpsum.
\nIn summary: Turning it upside down
\n"Do not put the pension product at the center of the communication, but centralize the personal goals instead and show the positive contribution that pensions can make to achieve these goals."
\nBut where should all this data come from? Those are the participants' own potjes. Lex Solleveld from Ohpen provides insight into what it is like “under the hood”.
\nThe new pension agreement comes with two variants: the New Pension Contract (NPC), mainly aimed at convenience, and the Improved Contribution Scheme Act (WVP), where the choices lie with the participant. However, under the hood, both variants are actually very similar. Both variants involve investing and the goals are also the same: a good pension. We also have the “potjes”. In both variants there are own potjes, investment accounts, and the way in which investments are made is also comparable. The cohorts in the NPC contain a risk reduction towards the retirement date and the WVP contains the well-known lifecycle investment, which also has a reduction in risk. In the NPC there is the compulsory solidarity reserve and there is also an option in the WVP to include a solidarity reserve. Last but not least, there is investment and therefore uncertainty in both variants. That is why there are projections that should give the participants an idea of what they expect to receive in future pension.
\nBut, how can the risks be mapped out in a transparent way? An investment administration is perfectly set up for this. What does this mean?
\nIn both variants, each participant receives their own “potje” (investment account). The premium goes into the individual potjes for all active members until the retirement date and after retirement the payment is withdrawn from the potjes. If you want to be able to control this in the NPC variant, you need to take all reserves into account. Not only the potjes of the participants, but all the elements that you use to control the future pension of your participants. So, also set up separate potjes (accounts) for your reserves. Make it transparent and clear. The entire existing pot must be split into several pots for this to work. The actuarial department then manages it by simply shifting fund participations (units) between potjes. For the most part, by using internal transfers, this can be done without passing on transaction costs.
\nAs for disbursements, there are many payment variants that must be administered in an efficient and workable manner. This works well in an investment administration. When the age of a member is known, a payment schedule must be linked to this from the pension administration, which indicates which variant applies. The combination of these makes it possible to determine on a monthly basis what should be sold from the funds of the investments in order to finance the pension payment. Because all reserves of the pension fund are also placed in potjes, when the individual pot is empty, the same system can continue as usual.
\nIn summary: Turning it upside down
\n"Don't make the participant's potje a closing post, but put this central."
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Your health matters - not only physical, but also mental. We offer all our Ohpeneers the opportunity to clear their minds in the office or at home. Choose from a wide variety of classes like Kickboxing, High Intensity Training, Yoga, Yoga or Meditation. At our office in Amsterdam we even have a 4.000 square foot gym at your disposal.","careers.health_cta_1":"Find your balance","careers.play_super":"Find your balance","careers.play_title":"LIVE IN BALANCE","careers.play_body":"At Ohpen we are serious about a good work life balance. We want to make sure you enjoy work as well as your personal life. Because we believe your best ideas will come from being in balance with both.","careers.play_cta_1":"Ohpen to Vegas","careers.hotel_super":"You're invited","careers.hotel_title":"come and stay","careers.hotel_body":"We're an international bunch, but Ohpen's head office is in Amsterdam. We want to make it easy for all our Ohpeneers to visit HQ, so if you ever need to be there, just stay at the Ohpen Hotel. The hotel is situated in the heart of the city and is free of charge for all invitees.","careers.hotel_cta_1":"Find your mission","careers.mission_title":"Join our mission","careers.mission_body":"We're here to develop the best core banking engine in the world. Sound exciting? Learn more about life at Ohpen and find your next mission.","clients.clients_header":"Clients & Cases","clients.clients_body":"Leading financial service providers trust their critical business processes to Ohpen's platform.","news.news_header":"Latest insights","news.news_body":"Here we share our insights, opinions and the latest company and product developments.","global.menu_sub_cases":"CLIENTS & CASES","global.menu_sub_mediakit":"MEDIA KIT","careers.filter_location":"by location","careers.filter_department":"by department","careers.filter_title":"FILTER RESULTS","careers.overview_super":"Join our mission","careers.overview_title":"All job openings","careers.overview_noresults_super":"No results (yet)","careers.overview_noresults_title":"Try adding or removing selected filters","cases.testimonials_fullstory":"See all cases","careers.filter_close":"Apply Filters","careers.filter_remove":"Remove filters","cases.freedom_super":"Don't just take our word for it","cases.freedom_title":"Freedom for our clients","cases.freedom_body":"We’re proud to support a wide variety of clients such as retail banks, asset managers, insurers, mortgage providers, pension providers and building societies.","cases.freedom_cta_1":"View client cases","global.menu_sub_team":"THE TEAM","careers.play_cta_2":"The Ohpen Hotel"}}},"originalPath":"/latest-insights/article/webinar-pensions-summary","path":"/latest-insights/article/webinar-pensions-summary"}}}}