Who is PensionPLUS addressed to?
PensionPLUS Occupational Retirement Plan is addressed to businesses and professional associations with at least 5 people.
It is only available on a group basis and presupposes that the members relate to each other professionally through joint employment, or through participation in a professional association.
How PensionPLUS works
Employer and employee contributions
Personalized investment management according to the member’s investment profile
At retirement, each member receives a lump sum
Group Pension Investment Funds
Universal Life currently maintains four Group Pension Investment Funds within the scope of Group Pension Plan management - Class VII
The Fund aims for high long term capital appreciation by holding primarily growth investments.
The Fund aims for satisfactory long term capital appreciation by holding both growth and income investments.
The Fund aims for moderate long term capital appreciation by holding primarily income investments.
The Fund aims for investment returns comparable to those of Euro denominated money market instruments.
Sustainability: An integral part of our investment philosophy
Universal Life has adopted an ESG investment philosophy by supporting sustainability and responsible business activity, thus demonstrating in practice its responsibility towards the environment, society, and sustainability.
Initial investments are screened for any critical ESG issues or reputation concerns for any ESG issues
ESG geared due diligence
Investment management aims to mitigate any negative issues and favours positive results
Monitoring on a continuous basis
Sustainability as part of the investment process:
Investment Strategy for each phase until retirement
Choose one or more investment funds and alter the initial allocation, at any time, at no cost.
The long-term time horizon until retirement allows for higher investment risk, aiming for higher investment returns for capital accumulation at retirement.
It is advisable to move to a more balanced investment strategy of moderate investment risk that combines moderate capital appreciation and simultaneously protects the capital that has already been accumulated.
The primary objective should be to protect the accumulated capital through the adoption of a more conservative investment strategy.