Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Pensioenknip verboden? Belachelijk!

Posted on March 22, 2014 at 5:00 AM

Oei! Even niet mee gekregen. De brief van Staatssecretaris van Sociale Zaken Klijnsma van 4 november 2103, waarin zij met ingang van 1 januari 2014 de Pensioenknip verbiedt.

 

Pensioenknip? Ja. Stel: jouw werkgever heeft een pensioen voor je geregeld bij een verzekeringsmaatschappij. In zo’n vorm dat er een kapitaal beschikbaar komt op je pensioendatum. Dat kapitaal mag je niet opvragen en mee naar de Bahama’s gaan. Dat moet omgezet worden in periodieke pensioen-uitkeringen zo lang je leeft. Verzekeringstechnisch een vorm van lijfrente.

 

Stel nu verder dat je vandaag een brief krijgt van de verzekeraar dat er binnenkort € 100.000 beschikbaar komt. De verzekeraar gaat berekenen hoe hoog de uitkering gaat worden.

 

Levens- en sterftekansen

 

Hij moet bedenken hoe lang hij zal moeten uitkeren. Dus houdt rekening met levens- en sterftekansen. Want aan de ene verzekerde zal hij tot zijn 105-e uit moeten keren. En aan de andere verzekerde maar een jaar. Immers, de uitkering stopt bij overlijden.

 

Rentevergoeding

 

De verzekeraar houdt die € 100.000 voorlopig onder zich en kan daarop rendement maken. Hoeveel dat de komende vijf, tien, twintig, veertig jaar zal zijn weet niemand. Ook de verzekeraar niet. Dus gaat hij uit van de huidige rentestand. Die ligt op dit moment rond 1,5% a 2%.

 

Levenslang geen hogere vergoeding!

 

Je moet als consument dit aanbod accepteren. Want pensioen is een levenslange uitkering. Maar wat gebeurt er nou als de verzekeraar straks een hoger rendement gaat maken? Daar profiteer je als gepensioneerde niet van mee! Eigenlijk te gek voor woorden. Een aantal jaren geleden bedacht men daarom de Pensioenknip.

Er wordt berekend dat uit die € 100.000 er levenslang een uitkering zou kunnen komen van bijvoorbeeld € 6.000 per jaar. Die uitkering verzekert men dan voor vijf jaar. Daarvoor is - laten we zeggen - € 30.000 nodig. De rest van het kapitaal - € 70.000 – wordt vijf jaar opzij gezet. Dat levert dan na die vijf jaar bijvoorbeeld € 76.000 op.

Dit alles in de hoop dat de rente, waarmee de verzekeraar rekent na die vijf jaar (wat) hoger zal zijn en de uitkeringsgerechtigde dan méér zou gaan krijgen dan € 6.000 per jaar.

 

Dit is op zich een stap in de richting om de consument mee te laten profiteren van een betere rentevergoeding.

 

Pensioenknip verboden

 

Staatssecretaris Klijnsma heeft dat echter verboden. Volgens haar evaluatie hebben maar een beperkt aantal mensen mee gedaan. 1% of zo’n 100 personen. De meesten komen nu aan het eind van de vijf-jaarsperiode en hebben niet geprofiteerd van een rentestijging. Integendeel. De rente is verder gedaald sinds 2009. Dus voor hen heeft het niet gewerkt.

Verder zou dit systeem extra advies vergen en extra uitvoeringskosten. Dat zou in het nadeel zijn van de gepensioneerde.

 

Sociaal?

 

Je vraagt je af waarom een Staatssecretaris van SOCIALE ZAKEN het systeem juist nu verbiedt. Ja, de rente is lager dan in 2009. Maar de kans op erg veel lager is minder groot dan dat deze de komende tien, twintig jaar weer hoger wordt. Dus zeker vanaf nu moeten consumenten van het systeem kunnen profiteren. Je vraagt je ook af waarom maar 1% van de blijkbaar 10.000 mensen van de Pensioenknip gebruik heeft gemaakt.

Iedere weldenkend mens zal het niet accepteren dat hij levenslang een vergoeding van 1,5% a 2% zal gaan krijgen zonder ooit een kans op meer. Is dit wel voldoende verteld aan die consument?

 

Door de verzekeraar? Waarschijnlijk niet. Die lacht in zijn vuistje. Want als straks de rente weer aantrekt heeft hij de winst. En ze zullen krokodillentranen hebben gehuild bij de staats dat het ‘toch wel heel veel extra uitvoeringskosten met zich mee brengt’. Want hoe komt Klijnsma anders aan dat argument?

 

Is het de consument verteld door de adviseur? Velen zullen het misschien ook gemakkelijker hebben gevonden om tegen de klant te zeggen: “hier is het aanbod van de verzekeraar. Teken bij het kruisje en ik ben weg”. Want de praktijk is dat de consument een brief krijgt van de verzekeringsmaatschappij waarin het beschikbaar komen van het kapitaal wordt aangekondigd en welke uitkering zal gaan krijgen. Velen zullen dat als een voldongen feit accepteren.

 

Het is onbegrijpelijk en belachelijk dat juist een Staatssecretaris van SOCIALE Zaken deze maatregel heeft genomen. Ze hoefde deze maatregel helemaal niet te torpederen. Op zijn minst gewoon laten bestaan. En bevorderen dat verzekeraars en pensioenadviseurs het beter uit zouden gaan leggen aan hun klanten.

 

Wie komt er nu op voor de gedupeerde burgers?

 

Winstdelende lijfrenten

 

Overigens is de Pensioenknip nog steeds een gekunstelde vorm om consumenten te laten profiteren van een mogelijke rentestijging in de toekomst. Dat ook ‘verkeerd’ uit kan pakken zoals we de afgelopen vijf jaar hebben bezien. Maar waarom dan niet een vorm van ‘winstdeling’ zoals dat bij kapitaalverzekeringen geldt?

 

Nabrander

 

Michael Visser wees me er op dat Tweede Kamerlid Helma Lodders (VVD) in december 2013 de regering heeft opgeroepen om de mogelijkheden voor verzekerde te verbeteren. (Klik hiernaast) hier)

 

Emile Soetendaal / SZW twitterde dat een onderzoek in de week van 24 maart gaat beginnen. SZW gaat eerst met verzekeraars om de tafel. Mjah... Valt uit die hoek veel te verwachten? Welke 'machtsmiddelen' heeft SZW om in de private overeenkomsten tussen verzekeraars en werkgevers / werknemers 'in te grijpen? Ik ben zeer benieuwd.

 

Maar waarom dan de 'pensioenknip' verbieden? Daarmee lijk je eerst oude schoenen weg te gooien voordat je nieuwe hebt.


Deze blog is oorspronkelijk gepubliceerd op 22 maart 2014

Categories: Pensioen, Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

2189 Comments

Reply supreme clothing
1:30 PM on August 16, 2022 
Thanks for all of your effort on this website. My mother takes pleasure in engaging in research and it's really easy to see why. We hear all regarding the compelling form you create useful tricks via your website and in addition welcome participation from people on this article and our own girl is truly learning a great deal. Have fun with the rest of the new year. You're the one carrying out a remarkable job.
supreme clothing http://www.supreme-clothings.us.com
Reply jordan sneakers
1:29 PM on August 16, 2022 
I must express some appreciation to this writer for rescuing me from such a circumstance. After exploring throughout the search engines and meeting strategies that were not beneficial, I was thinking my entire life was gone. Being alive without the answers to the issues you've sorted out by way of this site is a crucial case, and those that might have negatively affected my career if I hadn't encountered your web page. Your personal knowledge and kindness in maneuvering all the things was excellent. I don't know what I would've done if I had not come across such a point like this. I am able to at this time relish my future. Thank you so much for your specialized and result oriented help. I won't hesitate to suggest your site to any individual who requires recommendations about this problem.
jordan sneakers http://www.jordanssneakers.us.com
Reply cheap kyrie 7
1:29 PM on August 16, 2022 
I definitely wanted to compose a small message so as to say thanks to you for the great guides you are posting on this website. My time intensive internet investigation has at the end been honored with useful knowledge to talk about with my company. I 'd declare that most of us website visitors are extremely lucky to exist in a remarkable community with so many marvellous people with very helpful strategies. I feel very lucky to have discovered the weblog and look forward to really more awesome times reading here. Thank you again for everything.
cheap kyrie 7 http://www.kyrie7.us
Reply supreme hoodie
1:28 PM on August 16, 2022 
I wanted to write you the very little remark so as to give many thanks as before just for the great knowledge you've documented in this case. This has been strangely open-handed with people like you giving unhampered all most people would've offered for an electronic book in making some dough for themselves, certainly considering that you might have done it in case you wanted. The ideas as well served as the great way to realize that other individuals have similar keenness just as my personal own to figure out a little more on the subject of this matter. I'm sure there are several more pleasant periods up front for many who go through your website.
supreme hoodie http://www.supremes-clothing.com
Reply cheap kd shoes
1:28 PM on August 16, 2022 
I want to get across my love for your generosity in support of people that absolutely need help with this one topic. Your special dedication to getting the solution all around has been certainly productive and have truly permitted professionals much like me to achieve their aims. Your amazing warm and friendly guide indicates a lot to me and extremely more to my fellow workers. Thank you; from each one of us.
cheap kd shoes http://www.kd-shoes.us
Reply yeezy boost 350
1:04 PM on August 16, 2022 
I'm commenting to let you know of the fabulous experience my daughter went through visiting the blog. She learned several issues, including how it is like to have an excellent giving mindset to make other folks without problems comprehend specific tortuous issues. You actually surpassed people's expected results. I appreciate you for delivering such precious, dependable, explanatory and even cool guidance on this topic to Emily.
yeezy boost 350 http://www.yeezy-350.us.com
Reply curry 7 shoes
11:44 AM on August 16, 2022 
I'm also commenting to let you know what a notable experience my wife's girl enjoyed reading your webblog. She came to understand so many details, with the inclusion of what it is like to have an incredible coaching heart to have many others completely know several tortuous things. You undoubtedly exceeded people's desires. Thank you for giving these beneficial, trusted, informative and also cool tips on this topic to Gloria.
curry 7 shoes http://www.curry-7.com
Reply cheap paul george shoes
11:43 AM on August 16, 2022 
I am just commenting to let you be aware of of the incredible encounter my friend's girl obtained reading your web site. She came to find a lot of details, most notably what it's like to possess an ideal coaching mindset to have many people effortlessly know a variety of grueling subject areas. You really did more than my desires. Thanks for distributing the warm and helpful, safe, informative as well as fun guidance on the topic to Ethel.
cheap paul george shoes http://www.paulgeorge.us.com
Reply supreme new york
11:43 AM on August 16, 2022 
I am only commenting to make you know of the wonderful discovery our daughter enjoyed studying your site. She mastered numerous things, with the inclusion of how it is like to have an amazing coaching character to make the mediocre ones completely master a variety of extremely tough subject areas. You really exceeded my expected results. I appreciate you for delivering these warm and helpful, dependable, educational and fun tips about that topic to Emily.
supreme new york http://www.supremenewyork.us.com
Reply cheap kyrie 7
11:42 AM on August 16, 2022 
I wish to show my respect for your kind-heartedness for men and women that must have guidance on this particular area. Your real dedication to passing the message all around had become wonderfully effective and have regularly empowered professionals just like me to attain their dreams. The invaluable guide indicates a great deal to me and additionally to my colleagues. Thanks a lot; from all of us.
cheap kyrie 7 http://www.kyrie-7.com
Reply yeezy boost 700
11:41 AM on August 16, 2022 
Thanks a lot for giving everyone an exceptionally brilliant opportunity to read from this blog. It is always so good and also stuffed with amusement for me personally and my office mates to visit your website at the least thrice per week to see the latest secrets you have got. Not to mention, I'm usually fascinated concerning the splendid concepts you serve. Some 4 facts in this posting are in truth the most impressive we've ever had.
yeezy boost 700 http://www.yeezy700.us.com
Reply hermes belt
11:40 AM on August 16, 2022 
I am just commenting to make you know what a fabulous discovery my friend's girl developed browsing your web page. She picked up such a lot of things, with the inclusion of what it's like to possess a marvelous teaching spirit to let other people just learn various problematic subject matter. You undoubtedly surpassed our expectations. Thanks for showing the valuable, trusted, informative and also unique tips about the topic to Lizeth.
hermes belt http://www.hermesbelts.us.org
Reply off white
8:35 AM on August 16, 2022 
I have to point out my affection for your kindness in support of persons who absolutely need assistance with your theme. Your personal commitment to getting the message across appears to be particularly advantageous and have constantly allowed associates just like me to arrive at their objectives. Your entire warm and helpful key points can mean a lot to me and additionally to my peers. Thank you; from all of us.
off white http://www.offwhiteoutlet.us.org
Reply moncler
4:03 AM on August 16, 2022 
I simply wanted to write down a quick note to be able to thank you for all of the awesome concepts you are giving here. My rather long internet lookup has finally been paid with reasonable facts and techniques to go over with my classmates and friends. I 'd suppose that we readers are rather endowed to dwell in a fabulous community with very many outstanding individuals with beneficial principles. I feel very blessed to have encountered your entire webpage and look forward to so many more cool times reading here. Thanks again for a lot of things.
moncler http://www.moncler--outlet.us.com
Reply curry shoes
4:01 AM on August 16, 2022 
I enjoy you because of all of your hard work on this blog. Kate delights in going through investigation and it's really simple to grasp why. Almost all learn all about the dynamic medium you give invaluable tips and tricks through this web site and in addition attract participation from visitors on the concept so our princess is actually learning a lot of things. Take advantage of the rest of the year. You are always performing a terrific job.
curry shoes http://www.curry-shoes.net
Reply supreme clothing
3:59 AM on August 16, 2022 
I together with my pals were actually viewing the best tips located on your web site and all of a sudden I had an awful suspicion I never thanked the web blog owner for those techniques. Most of the ladies came absolutely joyful to see them and now have in truth been taking advantage of those things. We appreciate you simply being quite thoughtful as well as for settling on some essential information most people are really needing to be informed on. My personal honest regret for not saying thanks to sooner.
supreme clothing http://www.supremesonline.com
Reply off white jordan
12:34 AM on August 16, 2022 
I definitely wanted to make a comment in order to say thanks to you for the unique steps you are showing at this website. My long internet look up has at the end of the day been honored with good knowledge to go over with my neighbours. I would claim that most of us site visitors actually are quite blessed to exist in a wonderful place with very many awesome professionals with great plans. I feel rather happy to have discovered your entire web site and look forward to so many more enjoyable times reading here. Thanks a lot once again for all the details.
off white jordan http://www.off---whiteshoes.com
Reply golden goose outlet
9:32 PM on August 15, 2022 
I would like to express thanks to you just for bailing me out of such a trouble. After looking throughout the online world and meeting concepts which were not helpful, I believed my entire life was done. Living devoid of the approaches to the issues you have resolved by way of your main short post is a critical case, and the ones that could have negatively damaged my career if I had not discovered your website. The mastery and kindness in taking care of all the stuff was tremendous. I am not sure what I would have done if I hadn't come across such a step like this. I'm able to now relish my future. Thank you very much for this expert and sensible help. I will not think twice to propose your site to anybody who needs guidelines about this area.
golden goose outlet http://www.goldengooseoutletonline.us.com
Reply kd 12
9:31 PM on August 15, 2022 
I wish to express appreciation to you just for bailing me out of this particular circumstance. As a result of researching through the world-wide-web and coming across basics that were not productive, I assumed my life was well over. Living devoid of the strategies to the issues you've fixed through your main short article is a crucial case, and ones which might have in a wrong way affected my career if I had not noticed your site. Your primary natural talent and kindness in touching all things was important. I am not sure what I would have done if I hadn't come upon such a stuff like this. I am able to at this moment look forward to my future. Thank you so much for the reliable and sensible guide. I will not think twice to endorse the blog to any person who will need direction on this situation.
kd 12 http://www.kd12.us.com
Reply kyrie 7
9:30 PM on August 15, 2022 
I'm also writing to let you know what a outstanding discovery my friend's child obtained using your site. She came to find a wide variety of details, with the inclusion of what it is like to have a marvelous giving mood to make men and women just understand certain complicated subject areas. You actually surpassed our expectations. Thank you for distributing these informative, safe, revealing and even easy tips about the topic to Tanya.
kyrie 7 http://www.kyrie7.us