Update on lifecycles 2025
At BeFrank, we invest your pension in lifecycles. You can opt for the Passive, Active or Sustainable Lifecycle. We closely monitor the developments of each lifecycle. This includes looking at economic developments and investment results and making any necessary improvements. We do so always to ensure a better pension. At the end of last year, we made a number of adjustments. As promised, we are giving you an update. Now with the key changes in our investment policy for the Active and Passive Lifecycles.
New investment strategy in the Active Lifecycle
In the Active Lifecycle, we are now using a new investment strategy for equities. The premise is to limit the risks by increasing diversification. We do this by investing in a wider variety of companies. Always with the aim of beating the market in the long term. We will use a quantitative investment strategy for this purpose. This means that our asset managers analyse a large amount of data to determine in which companies we invest.
Own funds in the Passive Lifecycle
In June, we transferred the developed market shares from the Passive Lifecycle to our first own fund, the NTCM World Journey Equity Fund. The advantage of such a fund is that BeFrank has full control over the investment policy. A new own fund containing emerging market equities will follow shortly. You will not see these fund changes in your investments. And the fees for the Passive Lifecycle will remain the same.
How will we incorporate sustainability into our investments further?
For BeFrank, sustainability is a key consideration in investing. That is why we aim for lower CO2 emissions and improved ESG scores of our investments, while we want to maintain a good balance between risk and return. In the NTCM World Journey Equity Fund, for example, we aim for a reduction of 50% CO2 emissions and a 10% higher ESG score compared to the benchmark (MSCI World Index). The ESG score assesses how well a company deals with the environment, society and good governance.
We also use other resources to make an impact on our investments. For example, our asset managers vote for BeFrank at shareholders’ meetings (‘voting’). Or enter into a conversation on our behalf with the companies in which we invest (‘engagement’). Both have been going on for some time, but we will now refine our policy. This means, among other things, that we will pay more attention to the climate policy of the companies when voting. Companies that emit a lot of greenhouse gases, for example, may have a vote against it because they do not have a clear climate plan for reducing emissions. And they are not open about their climate policy.
More information on lifecycles
The overview below shows the main differences between the 3 different forms of investment. Would you like to know more about how investing in lifecycles at BeFrank works? Read more about lifecycle investing.
Click on the table to enlarge
*These are the annual asset management fees. These costs depend on the composition of the lifecycle and may vary from year to year. In addition to asset management fees, there are entry and exit fees for adjusting the investment mix or changing investment choices. The amount varies per fund and these costs are incorporated into the price. Read more about all costs in our Investment Brochure.
Do you want to know your current investments?
When you log in to your personal pension page you will see how you have currently invested your pension. By default, you invest according to the choice of your employer. But you can always decide for yourself whether this suits you. And you can easily make your own investment choices.