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.

2600 Comments

Reply off-white
5:21 AM on July 30, 2022 
I precisely wished to thank you very much yet again. I am not sure the things I would've implemented in the absence of the creative ideas documented by you relating to that question. It actually was a very intimidating issue for me, but seeing this expert form you processed the issue took me to weep for delight. Now i'm thankful for this advice and as well , hope that you are aware of a great job that you are getting into training some other people thru your websites. I know that you've never got to know any of us.
off-white http://www.offwhitesonline.com
Reply yeezy boost 700
3:30 AM on July 30, 2022 
Thanks a lot for giving everyone an extraordinarily terrific opportunity to read critical reviews from this website. It is usually so beneficial plus stuffed with fun for me and my office friends to search your blog at least 3 times a week to study the new tips you have got. And indeed, we are usually satisfied considering the eye-popping guidelines served by you. Certain 3 tips on this page are indeed the most effective I've ever had.
yeezy boost 700 http://www.yeezy700.us.com
Reply supreme shirt
1:55 AM on July 30, 2022 
I'm also writing to make you be aware of of the perfect experience my wife's princess experienced browsing the blog. She came to understand several pieces, with the inclusion of what it's like to possess an ideal helping mindset to let others without problems know just exactly specified extremely tough topics. You really did more than our expectations. Thanks for supplying these good, trustworthy, explanatory as well as cool tips on this topic to Kate.
supreme shirt http://www.supremeshirt.us.com
Reply golden goose
1:45 AM on July 30, 2022 
I wish to point out my love for your generosity for folks who must have assistance with the question. Your personal commitment to getting the solution along has been extremely advantageous and have specifically encouraged employees just like me to arrive at their aims. Your new useful hints and tips denotes a lot a person like me and much more to my office workers. Thank you; from all of us.
golden goose http://www.goldengooses.us
Reply moncler
12:52 AM on July 30, 2022 
Thanks for your whole efforts on this web site. Betty really loves getting into investigation and it's really simple to grasp why. A number of us know all about the lively mode you give both interesting and useful strategies on your web site and improve contribution from people about this situation plus our princess is being taught a great deal. Have fun with the remaining portion of the new year. You are performing a splendid job.
moncler http://www.monclerjackets.us.org
Reply golden goose outlet
12:51 AM on July 30, 2022 
I wish to express some appreciation to the writer for rescuing me from this type of incident. As a result of exploring through the online world and finding recommendations which were not powerful, I was thinking my entire life was well over. Being alive without the presence of approaches to the issues you've sorted out by means of your entire review is a serious case, as well as the ones which may have in a negative way damaged my career if I had not encountered the blog. Your main competence and kindness in handling a lot of stuff was useful. I am not sure what I would have done if I had not come upon such a point like this. I can at this point look ahead to my future. Thanks a lot very much for this expert and effective guide. I will not be reluctant to endorse your web site to anybody who would like tips about this matter.
golden goose outlet http://www.golden-goosesoutlet.com
Reply supreme hoodie
12:50 AM on July 30, 2022 
I want to convey my gratitude for your generosity for persons who have the need for help with this one subject matter. Your personal dedication to passing the message along had been unbelievably practical and have consistently permitted employees much like me to realize their dreams. The warm and helpful instruction can mean a whole lot a person like me and even further to my mates. Thanks a lot; from everyone of us.
supreme hoodie http://www.supremesonline.com
Reply air jordan
12:50 AM on July 30, 2022 
I am also commenting to make you be aware of of the extraordinary discovery my cousin's child developed visiting your web page. She realized lots of details, which included what it is like to have an ideal helping mindset to let folks just gain knowledge of selected impossible topics. You actually exceeded her expected results. Many thanks for giving such essential, dependable, edifying as well as unique thoughts on that topic to Jane.
air jordan http://www.jordanstoreonline.com
Reply cheap steph curry shoes
12:50 AM on July 30, 2022 
My wife and i have been really peaceful that Emmanuel managed to finish off his survey out of the precious recommendations he obtained out of your weblog. It is now and again perplexing just to choose to be handing out methods that people today could have been selling. And we also consider we now have you to appreciate for this. Those explanations you made, the easy web site menu, the friendships you will help promote - it's all extraordinary, and it's really helping our son and us recognize that this issue is thrilling, and that is truly indispensable. Thank you for all!
cheap steph curry shoes http://www.curry-shoes.net
Reply cheap kd shoes
12:50 AM on July 30, 2022 
Thank you for all of your work on this blog. Kim takes pleasure in going through investigation and it's easy to see why. Many of us learn all regarding the lively method you present important secrets through the blog and therefore inspire response from others on the point so my princess is without question learning a great deal. Take advantage of the rest of the new year. You are performing a remarkable job.
cheap kd shoes http://www.kevindurant-shoes.us.com
Reply jordan shoes
12:49 AM on July 30, 2022 
I wanted to send a quick note in order to say thanks to you for some of the remarkable advice you are sharing on this website. My time consuming internet search has now been paid with incredibly good concept to exchange with my close friends. I would repeat that many of us site visitors are really fortunate to exist in a superb website with very many wonderful people with useful secrets. I feel quite lucky to have used your website and look forward to really more exciting times reading here. Thanks once more for a lot of things.
jordan shoes http://www.shoesjordan.us.com
Reply supreme
9:52 PM on July 29, 2022 
Thanks so much for giving everyone remarkably brilliant chance to discover important secrets from this website. It is always very useful plus full of a great time for me and my office friends to search the blog at a minimum thrice in a week to study the newest tips you will have. And lastly, I am at all times motivated concerning the staggering strategies served by you. Some 1 areas on this page are certainly the most efficient I've had.
supreme http://www.supremesonline.com
Reply cheap kd 13
3:44 PM on July 29, 2022 
I simply desired to thank you so much once again. I do not know the things I would have followed without those smart ideas shared by you concerning such area. It had become a very difficult situation in my circumstances, but coming across the very well-written manner you resolved it made me to cry over gladness. I am just happier for your information and even pray you find out what an amazing job that you are carrying out instructing many others through a web site. I know that you have never got to know any of us.
cheap kd 13 http://www.kd13shoes.us
Reply bape
3:43 PM on July 29, 2022 
I wanted to write you the tiny remark just to give thanks the moment again over the nice methods you've documented on this site. It has been quite remarkably generous with you to provide without restraint precisely what many individuals could have offered for sale as an electronic book to get some money for their own end, specifically now that you could possibly have tried it in the event you decided. The solutions likewise acted like a easy way to comprehend some people have the same keenness just like mine to see great deal more regarding this issue. I'm sure there are many more pleasurable situations ahead for many who start reading your website.
bape https://www.bapesoutlet.com
Reply moncler coat
5:27 AM on July 29, 2022 
I must express appreciation to the writer for bailing me out of this type of problem. As a result of exploring through the online world and obtaining things that were not beneficial, I figured my entire life was well over. Living without the presence of approaches to the difficulties you've sorted out as a result of your main write-up is a crucial case, as well as the ones that might have negatively affected my entire career if I hadn't noticed your web page. Your actual natural talent and kindness in maneuvering all the pieces was tremendous. I don't know what I would've done if I had not come across such a step like this. I can also at this moment look ahead to my future. Thanks for your time so much for this specialized and result oriented help. I will not hesitate to refer your web blog to any person who will need guidelines about this situation.
moncler coat http://www.monclercoat.us.com
Reply off white hoodie
11:57 PM on July 28, 2022 
Thanks for all your work on this web page. Kim takes pleasure in managing investigation and it's easy to see why. Almost all notice all relating to the dynamic tactic you provide useful ideas through your web site and in addition recommend response from people on this point so our own child is really becoming educated a lot of things. Take advantage of the rest of the year. Your doing a wonderful job.
off white hoodie http://www.offwhitehoodies.us
Reply air jordan 1
11:56 PM on July 28, 2022 
I wish to express some thanks to you for rescuing me from this type of scenario. As a result of browsing through the world-wide-web and coming across opinions which were not beneficial, I figured my entire life was gone. Existing minus the solutions to the problems you have sorted out by means of your entire short post is a serious case, as well as ones which could have badly affected my career if I had not encountered the website. Your actual capability and kindness in touching all the details was excellent. I'm not sure what I would have done if I had not encountered such a point like this. I can also at this time look forward to my future. Thanks for your time very much for your specialized and result oriented guide. I will not hesitate to refer the sites to anybody who should get guide on this matter.
air jordan 1 http://www.jordan1shoes.us
Reply curry 6 shoes
11:56 PM on July 28, 2022 
I happen to be commenting to let you know what a beneficial experience my wife's child experienced checking your web site. She noticed a wide variety of things, most notably what it's like to possess an ideal giving mood to make the others with ease master some complex issues. You truly surpassed her expectations. Thank you for imparting these warm and helpful, trusted, edifying as well as cool tips about that topic to Lizeth.
curry 6 shoes http://www.curry-6.us
Reply kyrie irving shoes
11:56 PM on July 28, 2022 
I want to show my appreciation to this writer for bailing me out of such a incident. Because of browsing through the world wide web and finding methods that were not helpful, I assumed my entire life was done. Existing devoid of the strategies to the issues you've solved through your guideline is a critical case, and the kind which might have in a negative way damaged my career if I had not come across your site. Your natural talent and kindness in taking care of all the details was tremendous. I am not sure what I would have done if I had not come across such a step like this. I can also at this moment relish my future. Thanks a lot so much for this professional and effective guide. I won't be reluctant to propose your web site to anyone who would like guide about this problem.
kyrie irving shoes http://www.kyrieirving-shoes.us.com
Reply kobe shoes
11:55 PM on July 28, 2022 
I wish to show some appreciation to you for bailing me out of this particular circumstance. Right after browsing throughout the world wide web and finding thoughts which are not productive, I believed my life was well over. Being alive without the presence of approaches to the difficulties you have fixed by means of this report is a serious case, as well as those which might have negatively damaged my entire career if I hadn't noticed your blog. Your training and kindness in maneuvering every aspect was invaluable. I am not sure what I would've done if I had not discovered such a step like this. I can also now relish my future. Thank you very much for the reliable and result oriented guide. I will not be reluctant to endorse the sites to any individual who needs to have support about this topic.
kobe shoes http://www.kobe-shoes.us.com