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Our mission as a pension fund is to provide our insured members with retirement benefits. In order to meet our commitments over the long term, we will be gradually reducing our conversion rate, starting in 2027.
What’s a conversion rate?The conversion rate is used to calculate the amount of your annual pension based on your retirement savings. When you retire, the amount of your retirement savings is multiplied by the conversion rate and the result of that calculation is your annual pension.Retirement savings × conversion rate = annual pension
Why are we making this change?Most pension fund are enacting similar changes. There are two main reasons for this: first, people’s life expectancy is higher, which means pensions are being paid out for a longer period of time; second, the low-interest-rate environment is putting downward pressure on the investment returns earned by retirement savings. As a result, conversion rates cannot remain at the levels they’ve been at in recent years.Our decision to gradually reduce our conversion rate will enable our pension fund to remain financially solid.
New conversion ratesThe updated figures are shown in the table below. They will apply to insured members who retire at the age of 65 either in 2027 or from 2028 onward.
In summary, when the conversion rate declines, the annual pension you receive will decline too.
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