Een miljoen Nederlanders hangt in 2013 een lager pensioen boven het hoofd. Ook stijgen de premies mogelijk. Is een pensioen nog wel zeker?
Zeventien grote pensioenfondsen dreigen de pensioenen vanaf per april 2013 te korten. Wie raakt er gedupeerd?
Wie bij deze fondsen een pensioen heeft krijgt minder en wie uiteindelijk met pensioen gaat kan minder uitgekeerd krijgen. Dat laatste hangt af van het feit of het straks beter gaat en de tekorten ongedaan gemaakt kunnen worden. Als het binnen korte tijd beter gaat, zou het kunnen meevallen. Maar om een pensioenfonds nu gezond te houden moet men overgaan tot korten.
Hoe kan het dat je jaren betaalt en uiteindelijk niet krijgt wat is afgesproken?
Het gaat om pensioenen bij fondsen, niet bij verzekeraars. Bij fondsen bestaat altijd de mogelijkheid tot korten als er te weinig geld in kas zit. Je kunt je afvragen of mensen hierover voldoende over geïnformeerd zijn, maar het is altijd onderdeel van de overeenkomst. Bij een verzekeraar is alles gegarandeerd, maar dat kost je wel geld. Fondsen zijn goedkoper, maar je loopt het risico dat je minder krijgt.
Wat kan ik doen om te voorkomen dat ik straks minder krijg?
Je kunt overstappen naar een verzekeraar voor zekerheid. Alleen is daar het koopkrachtbehoud geen garantie, omdat er geen inflatiecorrectie is. Je moet het op lange termijn bekijken. Fondsen mogen risicovoller beleggen dan verzekeraars, om de koopkracht te behouden. Dat ging ook decennia goed.
Veel bedrijven hebben een verplichte pensioenregeling. Waarom open ik niet zelf een spaarrekening met vaste rente?
Over het algemeen leveren zaken die je collectief afspreekt betere prijsafspraken op. Nu er wordt gekort komt de vraag op: kan ik het niet beter zelf doen? Belangrijk is zelf een buffer aan te leggen. Je moet kijken welke lasten je hebt tijdens je pensioen, bijvoorbeeld een hypotheekaflossing, en hoeveel geld je dan nodig hebt. Je kunt gewoon extra gaan sparen.
Wat is er nog betrouwbaar?
Pensioenfondsen zijn in principe betrouwbare molochen. Een fonds kan niet omvallen omdat je er niet zomaar geld kunt weghalen. Een bankrun kan niet bij een pensioenfonds plaatsvinden. De fondsen hebben decennia lang goed gefunctioneerd, maar zitten nu door een samenloop van omstandigheden in een dip. Het systeem moet wat gereorganiseerd worden, maar is in principe goed.
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Reactie van:
Quincy
(8-5-2019)
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Reactie van:
Donovan
(9-5-2019)
Where's the nearest cash machine? http://bit.ly/2vNY9o8 viagra Mr. James Dimon is Chairman of the Board, President, Chief Executive Officer of JP Morgan Chase & Co. Mr. Dimon became Chairman of the Board on December 31, 2006, and has been Chief Executive Officer and President since December 31, 2005. He had been President and Chief Operating Officer since JPMorgan Chaseâs merger with Bank One Corporation in July 2004. At Bank One he had been Chairman and Chief Executive Officer since March 2000. Prior to joining Bank One, Mr. Dimon had experience at Citigroup Inc., the Travelers Group, Commercial Credit Company and American Express Company. Mr. Dimon graduated from Tufts University in 1978 and received an MBA from Harvard Business School in 1982. He is a director of The College Fund/UNCF and serves on the Board of Directors of The Federal Reserve Bank of New York, The National Center on Addiction and Substance Abuse, Harvard Business School and Catalyst. He is also on the Board of Trustees of New York University School of Medicine. Mr. Dimon does not serve on the board of any publicly traded company other than JPMorgan Chase.
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Reactie van:
Kieth
(10-5-2019)
Where are you calling from? http://bit.ly/308h1w5 cash advance The title of this collection (and also of her first story collection), The Love Object, points to the unabashed way the stories, almost always told from a female point of view, talk about men as objects of desire, luxuriating in male flesh, male looks, male clothing. In a way it blanks out the recipients of these fervid women’s desire. The love object is not always a man; it might be a mother, a son, it might be Jesus; sometimes it is another woman: one well-known story, “Sister Imelda”, is the bittersweet tale of a girl’s crush on a young nun at her convent school. It ends with an observation that serves for much of the collection, in which the inner life is so richly told that the outer world seems subservient to it: “In our deepest moments we say the most inadequate things.” O’Brien’s endings tend to have a dying fall. The lasting cadence is failure.
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Reactie van:
Albert
(19-5-2019)
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Since last September, the World Health Organization has confirmed 90 cases of MERS, the Middle East respiratory syndrome, including 45 deaths. Most cases have been in Saudi Arabia, but the mysterious virus has also been identified in countries including Jordan, Qatar, Britain, France, Germany, Italy and Tunisia. MERS is related to SARS and the two diseases have similar symptoms including a fever, cough and muscle pain.
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Reactie van:
Timmy
(22-5-2019)
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Reactie van:
Joesph
(22-5-2019)
Languages http://tiava.in.net tiava tube Then in 1970, Steadman was asked to illustrate a magazine piece on the Kentucky Derby. “I was told that the writer would be this 6ft 5in ex-Hells Angel with a shaved head who would be carrying a doctor’s bag. I was given his name, Hunter S Thompson, but it meant nothing.” Their first meeting did not go at all well. They spent three days trying to find one another, then when they did, Thompson took an instant dislike to him. “I thought he was pompous,” he recalled later. “I didn’t like him and I didn’t want him around.” Reluctantly, Thompson took Steadman for a drink at Louisville’s poshest club. There, as he always did, Steadman started drawing. “Hunter kept saying, 'For God’s sake, stop your filthy scribbling.’ It was the first time I realised that a drawing could be an offensive personal comment.
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Reactie van:
Felix
(23-5-2019)
One moment, please http://keandra.in.net keandra This is a reported blog dedicated to highlighting these basic human rights, how they are defined, why they are needed and who are the people struggling to uphold them. The blog is also a way for us to provide GlobalPost’s in-depth reporting and foundation-supported Special Reports — on rights relating to labor, gender, sexuality, the environment, the Internet, children, speech and assembly, and more — with steady updates, insights and analysis worth sharing. This is a blog called RIGHTS, but the story telling here about those rights are not intended as advocacy and will always stay true to GlobalPost’s reporting standards of fairness, accuracy and independence.
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