Investing for your pension

Investing contributions for your pension

Mars Pension Fund wants to be able to pay all pensions now and in the future. That is why we invest the contributions we receive for our pensions. This is how we build up pension capital. Read in our Statement of Investment Principles how we invest for your pension.

We are advised by professionals

We need to take good care of the money for pensions. We like to be advised on this. Within the pension fund we have an internal investment committee for this purpose. We also engage advisers from outside the fund.

Diversified investments

We invest all over the world. In addition, we choose different types of investments. A large number of managers from outside the fund take care of our investments.

Mars Investment Team

The Investment Team of Mars European Treasury & Benefits Center (ETBC) regulates and monitors all our investment activities. In addition, the team reports on investments to the board.

Responsible Investing

Sustainability is important. But our main goal as a pension fund is a good pension for our members and pensioners. Now and later. So as a pension fund, we always pay attention to the long term.

Investing for the ASP plan

For the Associate Selection Plan, we invest differently than for the final pay and ARP plans. We use so-called "index-related funds" to invest for the ASP plan. Read more about the index funds we invest in for your retirement in the ASP plan here.

 

What returns have we realised?

The returns realised in past years are listed below. 

2016 2017 2018 2019 2020
6.5% 6.4% 8.9% 8.1% 7.9%

 

Frequently asked questions

  • You can find the cost of investments in our annual report.

  • We pay fees for investments in the ASP plan. We also receive part of these costs back afterwards.

    Since 1 January 2020, you pay administration costs as a participant in the ASP plan. In 2020, these costs are periodically € 3.66 if you are employed by Mars. Are you out of employment? Then these periodic costs are lower, namely € 1.80. The Board determines the costs annually. There is a maximum. The costs will never be more than 1% per year of your total ASP capital. And new participants do not have to pay for the first three years.

    The administration fee for the ASP is deducted from the value of your ASP account. You will find these amounts in your investment statement. This can be found in My Post.

    As a member, you currently pay no buying or selling costs for Mars Pension Fund. 

  • Click here to learn more about your pension fund's financial position.