This is a combination of an average salary scheme and an available contributory scheme. With a hybrid scheme, employees build up pension up to a certain salary limit through an average salary scheme. Above that limit, they build up capital through an available contributory scheme.
The amount of the final pension depends on:
- the average salary of an employee;
- the number of years that an employee builds up pension;
- the age at which an employee retires;
- the pension premium already paid;
- the investment return that we achieve;
- the investment choice the employee makes
- the rates when the pension is purchased.
| partnerpension | a maximum of 70% of the retirement pension |
| orphan's pension | 20% of the partner pension |
| non-contributory building up | with invalidity |
| lifecycle | the older the employee, the lower the investment risk |
