Pensioen bij verzekeraar valt lager uit

Datum: 21-12-2011    Schrijver: Uwpensioensite.nl    Aantal reacties: 587

Een pensioenregeling die is ondergebracht bij een verzekeraar kan tot 25% minder uitkomst leiden dan aan de deelnemer wordt verteld. Dat komt door verborgen beleggingskosten, een hogere levensverwachting en het rekenen met een te hoog verwacht rendement. Dit is de uitkomst van onderzoek van pensioenadviesbureau Lane, Clark & Peacock (LCP), waarover Het Financieele Dagblad woensdag uitgebreid bericht.

LCP deed onderzoek naar beleggingskosten van zogeheten beschikbare premieregelingen van verzekeraars, waaronder ASR en Aegon. Naast de beleggingskosten rekent de verzekeraar nog kosten voor het vermogensbeheer dat hij zelf uitvoert.

Dat de pensioenuitkomst waarschijnlijk lager uitkomt dan aan de deelnemer wordt verteld, komt onder meer doordat de kosten van de regelingen nog niet helemaal transparant zijn. Net als bij de pensioenfondsen overigens, die onlangs bekendmaakten tot zelfregulering over te gaan. Het Verbond van Verzekeraars laat in een reactie weten te werken aan een verbetering van het Uniform Pensioenoverzicht (UPO) dat deelnemers krijgen.

Een andere reden waarom het pensioen bij een verzekeraar lager kan uitvallen dan in het pensioenoverzicht staat, is de hogere levensverwachting. De meeste verzekeraars hanteren niet de nieuwe overlevingstafels. "Dat kan wel eens zo’n 10% schelen op de verwachte uitkomst", zegt partner van LCP Evert van Ling.

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