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Contribution is paid into your ARP and ASP account each year. The contributions are invested for you and form a capital sum. You use this capital to purchase a retirement pension and possibly a partner's pension on your retirement date. This is known as a defined contribution plan.
You accrue pension in three (ARP/ASP)
You accrue pension in three ways:
A. AOW: this is the pension you receive from the government. Further information on the AOW is available at www.svb.nl.
B. Pension in the ARP/ASP plan of the Mars Pension Fund. You accrue this pension through Mars. This is the pension we discuss in this Pension 1-2-3.
C. Pension that you arrange personally, such as an annuity or bank savings.
How will your capital grow?
In the ARP plan, you form a capital in your ARP account. Mars Pension Fund invests this capital for you. On this ARP account you will receive a return from Mars Pension Fund. We try to give you as high a return as possible, but the return is at most 3% higher than the price index. The return you receive depends on the investment return of Mars Pension Fund and what Mars Pension Fund decides about this. So the return can also be lower.
In the ASP plan, you form a capital in your ASP account. To make that grow, you have to invest it. You choose how to invest this capital. In doing so, you have a number of choices.
