Who is PensionPLUS addressed to?

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

Employer and employee contributions

Personalized investment management according to the member’s investment profile

Personalized investment management according to the member’s investment profile

At retirement, each member receives a lump sum

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 expected returns listed are indicative long-term with no guarantees that they will be achieved.

Our carefully selected international managers

Opportunity Pension Fund
Expected return 4.5 - 5%

The Fund aims for high long term capital appreciation by holding primarily growth investments. 
 

"High" risk fund
Balanced Pension Fund
Expected return 3-4%

The Fund aims for satisfactory long term capital appreciation by holding both growth and income investments.

"Medium" risk fund
Income Pension Fund
Expected return 1-2.5%

The Fund aims for moderate long term capital appreciation by holding primarily income investments. 

"Low" risk fund
Cash Pension Fund
Expected return 0-1%

The Fund aims for investment returns comparable to those of Euro denominated money market instruments.

"Very low" risk fund
Sustainability: An integral part of our investment philosophy

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.

Implementation of the ESG management system

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 sub-managers are studied thoroughly before commencement of cooperation
Investment sub-managers are studied thoroughly before commencement of cooperation
Regular evaluation for each existing sub-manager including their sustainability risk management practices
Regular evaluation for each existing sub-manager including their sustainability risk management practices
Investments only with sub-managers members of the UN network
Investments only with sub-managers members of the UN network "Principles for Responsible Investment (PRI)"
Investments in mutual funds with a Morningstar Sustainability Rating of ‘2’ or higher
Investments in mutual funds with a Morningstar Sustainability Rating of ‘2’ or higher

Investment Strategy for each phase until retirement

Choose one or more investment funds and alter the initial allocation, at any time, at no cost.

Pathway to retirement
More than 10 years
More than 10 years

The long-term time horizon until retirement allows for higher investment risk, aiming for higher investment returns for capital accumulation at retirement.

5 to 10 years until retirement
5 to 10 years until 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.

Less than 5 years
Less than 5 years

The primary objective should be to protect the accumulated capital through the adoption of a more conservative investment strategy.

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