Investment risk: how much risk can and do you want to take?

Investing for your pension comes with risks. Some people prefer to take more risks than others. We understand that. That’s why, at BeFrank, you choose your own investment risk. After all, it’s your future that’s at stake.

At BeFrank, we invest your pension contribution according to the standard investment risk chosen by your employer. You decide whether this risk suits you or whether you would prefer to adjust your investment risk. You can view and change it on your personal pension page.

Choose your investment risk

To find out which risk suits you, you first fill in a questionnaire on your personal pension page. We call this the Profile Selector. After you have completed the Profile Selector, you will receive a risk profile. You choose whether or not you want to invest according to this profile by choosing your own investment risk.

Which risk can and do you want to take?

If you fill in the Profile Selector, you will see which risk profile suits you. Below we briefly explain the 5 profiles.

1. Very defensive

• If you prefer to take as little risk as possible with your pension capital, this profile is for you.
• Your pension may increase slightly but may also decrease slightly.

2. Defensive

• If you want to take a little more investment risk with your pension capital – but not too much – then a defensive risk profile is for you. 
• Your pension may increase a little more but may also decrease a little more. 

3. Neutral

• If you want to take neither too much nor too little risk, your profile is neutral.
• Your pension may achieve average growth but may suffer average losses too.

4. Offensive

• If you dare to take investment risks, you have an offensive profile.
• Your pension could achieve substantial growth but may also suffer substantial losses.

5. Very offensive

• If you want to take a lot of investment risk with your pension capital, you have a very offensive profile.
• Chances are your pension is growing fast, but it may also suffer high losses.

Nothing is set in stone

Whichever investment risk you choose, nothing is set in stone. You can always change your investment risk. For example because your financial situation changes. Check with the Profile Selector whether your investment risk still suits you.

Your pension, your choice

In addition to your investment risk, you can choose your form of investment. In doing so, you decide how we invest your pension capital. Find out which personal choices you can make yourself. Whatever you decide, we guarantee responsible investments.