Investing in index funds
When investing your premiums, we use what are called 'index-related funds'. We also call these 'index funds'.
With an index fund, the investment strategy is to track the return of a specific index or benchmark. An index is a group of stocks whose overall return is used as a yardstick to measure the return of a particular market.
Risks of investing for your MSP pension
These risks are entirely for your own account. The returns on investments can always fluctuate in the interim. The final yield is also not fixed. View the risks of investing for your MSP pension here.
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 2024, these costs are periodically € 54,22 per year if you are employed by Mars. Are you no longer working at Mars? Then these periodic costs are lower, namely € 27,71 per year. 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 MyMarsPension.
As a member, you currently pay no buying or selling costs for Mars Pension Fund.
1. Emerging Markets Stock Index Fund
- Emerging markets worldwide
- At least 2/3 in stocks of the Index
- The following risk and reward profile applies to this fund.
2. 20+Euro Treasury Index Fund
- Euro fixed rate government bonds
- At least 2/3 in fixed rate government bonds in the Index
- TThe following risk and reward profile applies to this fund.
3. Global Stock Index Fund
- Developed Markets Global (excluding Emerging Markets)
- At least 2/3 in stocks of the Index
- The following risk and reward profile applies to this fund.
4. Euro Government Bond Index Fund
- Eurozone fixed rate government bonds
- At least 90% in an indexed government bond.
- The following risk and reward profile applies to this fund.
5. European Stock Index Fund
- Developed Markets in Europe
- At least 2/3 in stocks of the Index
- The following risk and reward profile applies to this fund.
6. Euro Investment Grade Bond Index Fund EUR Institutional Shares
- Euro fixed rate bonds (not government bonds)
- At least 90% of the loans from the Index
- The following risk and reward profile applies to this fund.
7. Vanguard Eurozone Inflation-Linked Bond Index Fund
- Eurozone inflation-linked government bonds with maturity above one year.
- The following risk and reward profile applies to this fund.
8. Vanguard Global Short-Term Bond Index Fund
- Global bonds with maturity between 1 and 5 years.
- Excludes US mortgage-backed securities.
- The following risk and reward profile applies to this fund.
9. Vanguard U.S. 500 Stock Index Fund
- The 500 biggest shares of companies in the United States.
- The following risk and reward profile applies to this fund.
10. Vanguard ESG Developed World All Cap Equity Index Fund
- Developed markets equities
- The same stocks as the Index (FTSE Developed) except for those which do not meet the criteria for socially responsible investment
- The following risk and reward profile applies to this fund.