Korting pensioen niet van de baan

Datum: 09-07-2012    Schrijver: Uwpensioensite.nl    Aantal reacties: 142

Vandaag bericht het FD dat grootschalige pensioenkortingen wellicht van de baan zijn doordat de pensioenfondsen een hogere rekenrente zouden mogen hanteren. Dit is een veel te optimistische en daardoor onjuiste voorstelling van zaken.

Het FD veronderstelt dat pensioenfondsen, in navolging van verzekeraars waarvoor DNB deze week zo’n maatregel heeft afgekondigd, binnenkort mogen gaan rekenen met een hogere rekenrente. Daardoor zouden hun verplichtingen substantieel afnemen en hun financiële positie navenant verbeteren. Deze conclusie is voorbarig. Eerder is afgesproken dat deze zomer overleg zal plaatsvinden tussen SZW, DNB, sociale partners en de Pensioenfederatie over te nemen maatregelen in de overgangsfase richting het nieuwe toezichtkader dat waarschijnlijk in 2014 gaat gelden. Daarbij gaat het om een evenwichtig pakket maatregelen. Veel meer dan alleen het toepassen van een andere rekenrente na 20 of 30 jaar, de zogenaamde UFR. Belangrijk daarbij is en blijft dat fondsen zich niet ten onrechte rijk kunnen rekenen en er een balans wordt gezocht tussen de belangen van verschillende generaties.

Laat helder zijn: de pensioensector is al langere tijd voorstander van een aanpassing van de rekenrente. Niet om de begin dit jaar aangekondigde forse pensioenkortingen te voorkomen maar veel meer om de volatiliteit van de dekkingsgraden te verminderen.

Het effect van het introduceren van de UFR verschilt overigens sterk per fonds. Bij fondsen met relatief veel gepensioneerden (vergrijsde fondsen) is het positieve effect veel geringer dan bij fondsen met een gemiddeld jonge populatie. Vergrijsde fondsen hebben veel verplichtingen op de kortere termijn, zodat een renteaanpassing voor de verplichtingen na 20 of 30 jaar veel minder verlichting biedt dan bij jonge fondsen die pas op langere termijn de meeste pensioenen moeten gaan uitkeren. Het deze zomer vast te stellen pakket aan maatregelen geeft dan ook geen enkele reden om te veronderstellen dat de aangekondigde kortingen over een breed front nu goeddeels van de baan zijn.

Sterker nog: de Pensioenfederatie houdt er op basis van de huidige slechte economische situatie rekening mee dat er dermate gekort moet worden dat het wenselijk is om de kortingen over een aantal jaren te spreiden. De korting is voorlopig gemaximeerd op 7%. De Pensioenfederatie ziet graag dat dit gehandhaafd blijft. Er worden immers buiten de pensioensector ook al vele besluiten genomen die impact hebben op de koopkracht. Maar ook op dit punt zal het zomeroverleg moeten worden afgewacht. Vooruitlopen op de uitkomsten van dit overleg zal louter tot meer verwarring leiden bij deelnemers.

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Have you seen any good films recently?

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I live in London

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I've only just arrived

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I'd like to open a business account

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We've got a joint account

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Will I get paid for overtime?

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Where do you study?

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Please wait

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I'm self-employed

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i'm fine good work

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Could you tell me the number for ?

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A staff restaurant

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Could I ask who's calling?

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I'm a partner in

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A jiffy bag

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A Second Class stamp

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Reactie van: Leonardo (31-8-2016)


I was born in Australia but grew up in England

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Do you have any exams coming up?

Reactie van: Wayne (31-8-2016)


Could you tell me the dialing code for ?

Reactie van: Salvatore (31-8-2016)


I was made redundant two months ago

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It's funny goodluck

Reactie van: Forrest (31-8-2016)


Could you send me an application form?

Reactie van: Zoey (31-8-2016)


A financial advisor

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What's the interest rate on this account?

Reactie van: JimmiXzSqc (30-7-2017)


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