BeFrank returns
We invest your pension for you. On this page, you can find the returns for the investment styles Passive, Active and Sustainable investing. Your return is personal to you. It depends on factors such as your age, your investment risk and developments in the financial markets. Want to know about the latest developments too? Check out our InvestmentUpdate or read our quarterly report.
Good to know before you look at the returns below:
- Why do returns differ by age?
We invest using a lifecycle approach. This means that your investment mix changes as you get older. When you are young, we want to get a lot of return from your investments. We will invest with slightly more risk. As you get closer to your retirement age, we gradually reduce the risk by investing more and more in matching funds. This keeps your expected pension benefits as stable as possible. - Why are there different investment risks?
You decide how much risk you want to take when investing your pension. Your investment risk affects your return. More risk can result in higher returns, but it can also result in lower returns. Your personal pension page shows the investment risk that currently applies to your investments. - Why do you see fixed and variable options?
Whether you prefer fixed or variable pension benefits also determines how we invest for you as you approach your retirement date. This affects your return. For the variable option, the tables assume variable pension benefits, with 30% of your pension capital remaining invested from your retirement date onwards. For the fixed option, we assume fixed pension benefits. This means that you stop investing after your retirement date.
Read our investment brochure if you would like to know more about how we invest for you. Please note: these are past returns. The value of your investments can rise as well as fall. Past performance is no guarantee of future results.
Returns (up to and including Q3 2026)
Passive investing – fixed
| Investment risk | Very defensive | Defensive | Neutral | Offensive | Very offensive |
|---|---|---|---|---|---|
| Up to age 47 | 12.26% | 13.13% | 13.99 | 14.85% | 15.71% |
| Age 55 | 6.51% | 8.66% | 13.99 | 14.58% | 15.71% |
| Age 65 | -2.42% | -0.58% | 0.95% | 1.56% | 2.62% |
| Age 67 | -3.68% | -2.04% | -1.1% | -0.94% | -0.66% |
Fixed: preference for fixed pension benefits. From your retirement date, your pension capital is no longer invested.
Passive investing – variable
| Investment risk | Neutral | Offensive | Very offensive |
|---|---|---|---|
| Up to age 47 | 13.99% | 14.85% | 15.71% |
| Age 55 | 13.99% | 14.85% | 15.71% |
| Age 65 | 3.22% | 3.59% | 4.43% |
| Age 67 | 1.85% | 1.96% | 2.15% |
Variable: preference for variable pension benefits, with 30% of your pension capital remaining invested from your retirement date. The very defensive and defensive investment risks are not shown here because they are not options if you want to keep 30% invested after your retirement date.
Active investing – fixed
| Investment risk | Very defensive | Defensive | Neutral | Offensive | Very offensive |
|---|---|---|---|---|---|
| Up to age 47 | 11.54% | 12.35% | 13.17% | 13.99% | 14.81% |
| Age 55 | 6.04% | 8.05% | 13.17% | 13.99% | 14.81% |
| Age 65 | -2.50% | -0.77% | 0.68% | 1.26% | 3.94% |
| Age 67 | -3.69% | -2.14% | -1.37% | -1.11% | 1.78% |
Fixed: preference for fixed pension benefits. From your retirement date, your pension capital is no longer invested.
Active investing – variable
| Investment risk | Neutral | Offensive | Very offensive |
|---|---|---|---|
| Up to age 47 | 13.17% | 13.99% | 14.81% |
| Age 55 | 13.17% | 13.99% | 14.81% |
| Age 65 | 2.97% | 3.14% | 3.94% |
| Age 67 | 1.50% | 1.60% | 1.78% |
Variable: preference for variable pension benefits, with 30% of your pension capital remaining invested from your retirement date. The very defensive and defensive investment risks are not shown here because they are not options if you want to keep 30% invested after your retirement date.
Sustainable investing – fixed
| Investment risk | Very defensive | Defensive | Neutral | Offensive | Very offensive |
|---|---|---|---|---|---|
| Up to age 47 | 8.81% | 9.51% | 10.21% | 10.90% | 11.60% |
| Age 55 | 4.23% | 5,73% | 10.21% | 10.90% | 11.60% |
| Age 65 | -2.96% | -1,57% | -0.48% | 0.02% | 0.87% |
| Age 67 | -3.84% | -2.71% | -2.14% | -1.94% | -1.73% |
Fixed: preference for fixed pension benefits. From your retirement date, your pension capital is no longer invested.
Sustainable investing – variable
| Investment risk | Neutral | Offensive | Very offensive |
|---|---|---|---|
| Up to age 47 | 10.21% | 10.90% | 11.60% |
| Age 55 | 10.21% | 10.90% | 11.60% |
| Age 65 | 0.85% | 1.20% | 2.51% |
| Age 67 | 0.08% | 0.17% | 0.34% |
Variable: preference for variable pension benefits, with 30% of your pension capital remaining invested from your retirement date. The very defensive and defensive investment risks are not shown here because they are not options if you want to keep 30% invested after your retirement date.
The returns include dividend and after deduction of fund costs (OCF). The fund manager charges a fee for managing the fund. This is expressed as a percentage: the ongoing charges figure (OCF), and these costs are reflected in the price of the funds. These return overviews have been compiled with care by BeFrank. This information is not legally binding.
What moved the markets?
Every quarter, our InvestmentUpdate tells you what happened in financial markets around the world. We also briefly explain what this meant for your pension.
Want to know about your returns?
On your personal pension page and in our app, you can easily keep track of your current investment performance. You can also view and change your investment choices there.
Quarterly reports
Read more about the developments over the past quarter for each investment style. And view the returns over the past months and years. The Q3 quarterly reports are not yet available.
