Most asked questions

Pensions are quite complex and we can imagine that you have questions. We have listed the most frequently asked questions for you.


It will only take you a few minutes. Afterwards, you can continue with what you were doing and you’ll have arranged your pension properly. Wonderful!

If you do nothing, we will continue to invest based on the standard choices made by your employer. There is nothing wrong with that. It’s the standard for a reason. However, you may want to take a chance on more returns or take less risk. That’s why you should take the quick and easy test and check which investment risk suits you best.

We understand that, and fortunately that’s what we’re here for. We will help you to choose a profile that suits you. Choosing the right investment risk is really easy. Do the test and check which investment risk suits you.

We invest for you anyway, but on the basis of the investment risk determined by your employer. And since we’re talking about your pension capital, you may prefer to choose how we invest it. So take the test and check which investment risk suits you.

Once you have enrolled an employee on the pension scheme, we will send the employee an introductory e-mail. The employee then needs to activate their personal pension page by logging in with DigiD. On their personal pension page, the employee can find the pension regulations, the administration agreement and more information about the pension scheme. The portal also contains the Pension 1-2-3, which explains in simple language what the pension scheme entails.

We will be happy to serve you again at some point in the future. We will contact you or your pension advisor roughly six months before your pension contract ends to discuss the options. If you would like information sooner, that’s no problem. Simply contact your account manager or pension coach.

Six months before you reach your State Pension Age, we will send you a letter. The letter will explain how you can have your accrued pension capital paid out.

When you retire, we will sell your investments. You will then buy your own pension benefits from a Dutch insurance company. Wondering which insurance company is the best fit for you? On your personal pension page, you can compare fictitious quotes in a few simple steps. To do that, log on to your personal pension page, and go to ‘What will happen when...’ > ‘Retirement’.

Selecting the right pension insurer is not always easy, but it is important. Make sure you get advice from a financial advisor, for example.

BeFrank is a PPI, which stands for ‘Premium Pension Institution'. But what does this term mean exactly? A PPI is a relatively new pension administrator, alongside insurance companies and pension funds. We manage pension schemes and accrue pension assets. However, we do not bear the risk ourselves. A PPI manages collective defined contribution schemes. The pension benefits partly depend on the results of investments.