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geld is een middel, geen doel



Verzekeraars weten zelf niet dat pensioen een verzekering is

Posted on March 19, 2014 at 4:55 AM

Mijn klomp brak weer eens. Verzekeraars die zelf niet weten dat pensioen een verzekering is. En daarmee de jongens en meisjes op de bassisscholen verkeerde informatie geven. Dan zitten we toch wel op een heel verkeerde weg.


In ‘Verzekerd-Mini’ - een bijlage van het magazine ‘Verzekerd’ van het Verbond van Verzekeraars en speciaal uitgegeven in verband met de Week van het Geld - mag de 11-jarige Jorna onder andere verbondsdirecteur Richard Weurding interviewen. En in dat mini-magazine ook een verhaal over een gastles van Michel Lamie, topman van de Goudse Verzekeringen op een basisschool.


In het interview zegt Richard Weurding tegen Jorna op de vraag ‘Waarom geven jullie gastlessen?’: “Omdat we het belangrijk vinden dat jullie snappen dat je soms moet sparen om iets te kunnen kopen. Of sparen voor later, zoals voor je pensioen.”


Michel Lamie legt op een vraag ‘Wat is pensioen ook al weer?’ uit: “dat je geld nodig hebt voor als je op je 67 stopt met werken. ; Ik werk en elke maand stop ik geld in een pot voor als ik straks niet meer werk. “


Heren toch! Dat is toch geen pensioen! En u werkt nog wel in de verzekeringsbranche!


Bij pensioen zorgen we ervoor dat mensen die dat nodig hebben periodiek (meestal per maand) geld op hun rekening krijgen bijgeschreven. Voor ouderdomspensioen - en vaak ook bij nabestaandenpensioen - levenslang. Hoe lang dat ook is. Daar zijn ze van verzekerd.


Het geld wat daarvoor nodig is wordt opgebracht door werkgevers en werknemers (en in bepaalde gevallen de ondernemers zelf voor zichzelf). Dat geld brengen ze bij elkaar in een pensioenfonds of bij een verzekeringsmaatschappij. En het pensioenfonds of de verzekeringsmaatschappij gaat de maandelijkse uitkeringen doen als iemand oud is of ziek. Of aan zijn nabestaanden als hij dood gaat.


Het is dus geen spaarpot!


Want als iemand zijn pensioengerechtigde leeftijd niet haalt en geen pensioengerechtigde nabestaanden heeft dan krijgen zijn nabestaanden echt geen geld. Dat zou je toch bij een spaarpot wel verwachten.

En het maakt niet uit of iemand na zijn pensionering 70 jaar of 105 wordt. Hij kan levenslang rekenen op een ouderdomspensioen. Als iemand dat van een spaarpot moet doen dan raakt het geld een keertje op als iemand denkt zijn geld op te kunnen maken tot 86-jarige leeftijd (actuariële eindleeftijd) maar vervolgens (veel) ouder wordt.


Er zijn al jongeren - waaronder Jonge Democraat Ilja Boelaars - die het idee hebben dat pensioen een spaarpot is. Dat is niet zo! Ga dat idee nou niet versterken, heren verzekeraars.


Helaas is de week van het geld 2013-2014 voorbij. Dus je kunt het niet meer terug draaien. Maar het lijkt mij wel handig om tijdens de volgende ‘weken van het geld’ het juiste verhaal te vertellen.


Ik hoop dat Weurding en Lamie dát kunnen verzekeren.

Categories: Pensioen

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