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

Bezint eer ge begint (wet verbeterde premieregelingen)

Posted on April 9, 2016 at 9:00 AM

Binnenkort behandelt de Eerste Kamer de 'wet verbeterde premieregeling'. Een initiatief van VVD-Kamerlid Helma Lodders met elementen van de 'wet variabele pensioenuitkering' van Staatssecretrais Klijnsma.


Op de site van BeFrank ( http://bit.ly/1UPoNoA ) zijn daarover de nodige kritische noten gekraakt, waar ik me grotendeels in kan vinden. M.n. vanuit het perspectief van degene waar we het uiteindelijk voor doen: de consument / werknemer / pensioengerechtigde.


Even in historisch perspectief. Wat was het probleem, waarover de sector sinds eind 2013 nadenkt?


Werkgevers die bij een verzekeraar (!) een pensioenovereenkomst regelen, doen dat in toenemende mate via een premieregeling, waarbij een kapitaal op een pensioendatum ter beschikking komt. Dat kapitaal moet omgezet worden in uitkeringen. Daarvoor wordt een annuïteit berekend. Voor het berekenen van die annuïteit zijn rente en levens/sterftekansen de parameters. Met name de in te rekenen rente is de afgelopen jaren sterk verlaagd. Dus de uitkeringen (per individu bezien) worden steeds lager. Dat moet – zeggen verzekeraars - omdat zij de uitkering levenslang moeten garanderen. Hoe kun je die rekenrente veranderen? Door er van uit te gaan dat men na pensioendatum niet alleen in risicovrije waarden belegt. Maar bij beleggen in zakelijke waarden loopt de pensioengerechtigde het risico op (een keer?) een lagere uitkering dan bij aanvang van de uitkeringen bedacht.


 

Via deze lijn ging het denkproces richting de ‘wet variabele pensioenuitkering’ van mevrouw Klijnsma. VVD-Kamerlid Lodders vond dit te langzaam gaan en kwam -gesouffleerd door een of meerdere verzekeraars-tot een eigen initiatiefwetsvoorstel. In principe zeer eenvoudig en (vanuit de lijfrenteverzekeringen) herkenbaar: uitkeringen in beleggingseenheden. De uitkeringen zouden dan gaan fluctueren met de waarde van een beleggingsfonds (uiteraard in handen van een verzekeraar)


 

SZW denkt echter meer vanuit het collectief, dus vanuit pensioenfondsen. Men voorzag dat dit bij pensioenfondsen niet zou gaan werken. Vervolgens zijn er een aantal bepalingen vanuit de ‘wet variabele uitkering’ het initiatiefwetsvoorstel van Lodders binnen gefietst. De inkt was nog niet droog of de Tweede Kamer ging er mee aan de slag. Binnen vier uur (!) zijn hier – op 9 en 10 maart 2016 – allerlei besluiten over genomen. Door Kamerleden, die – begrijpelijkerwijs – ook niet alles konden doorzien.


 

En nu ligt er een gedrocht van een initiatiefwetsvoorstel in de Eerste Kamer waar zelfs deskundigen het niet meer begrijpen. Laat staan dat je het straks uit moet gaan leggen aan de werknemers / pensioengerechtigden, zoals ook BeFrank vast stelt. (Hoe leg je inderdaad aan een deelnemer uit dat zijn uitkering in principe gaat dalen, maar toch gelijk kan blijven of eventueel gaat stijgen.... )


 

Overigens: sommige (grote) verzekeraars hebben er aan mee geholpen dat deze ellende is ontstaan. Zij noemden de wet van Klijnsma al ‘de wet doorbeleggen’ en zagen een soort wenkend perspectief. De werknemer die pensioen opbouwt in hun beleggingsfonds bij opbouw EN over de pensioendatum heen begeleiden in de besteding van zijn gelden. Sommigen noemden het zelfs al een nieuw ‘financial plannings-intrument’. Een beetje zoals bij het 401K-plan in Amerika. Op zich misschien een loffelijk streven, maar de vraag is of die werknemers (in Nederland) daarop zitten te wachten.


 

Het zou erg verstandig zijn als de Eerste Kamer nog even een stap terug doet. En zich afvraagt: welk probleem gaan we met deze wet oplossen? En met name: voor wie is het goed? Voor de werknemer / pensioengerechtigde? Of voor de speeltuin van de verzekeraars?

Categories: Pensioen, Verzekeraars, Financiele advisering

Post a Comment

Oops!

Oops, you forgot something.

Oops!

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

29058 Comments

Reply felsefegram
7:13 AM on November 27, 2022 
tiffany co love heart earrings nike sb stefan janoski mid glitter suit ladies zach randolph portland jersey moncler agay military green sacramento kings crewneck sweatshirt
felsefegram http://www.felsefegram.net/
Reply Annaduh
6:51 AM on November 27, 2022 
fluoxetine 20 mg capsules
Reply tenminutemba
6:05 AM on November 27, 2022 
monster energy hat canada shopping center nba jerseys miami heats 34 ray allen red revolution 30 swingman 2013 finals jerseys new mbt boston shoes adidas fx5565 custom made air force ones hannah montana fancy dress adults
tenminutemba http://www.tenminutemba.com/
Reply Waste Wood One Shaft Shredder
2:04 AM on November 27, 2022 
Plated Tungsten https://www.pizzerialacastelluccia.it/blog/cast-tungsten-carbide-
market-size-in-top-players-sandvik/
�?�����????`?�� https://caidenp9ly2.myparisblog.com/17239387/a-review-of-�?-�����
?�?�����?`��������
Waste Wood One Shaft Shredder https://www.reformer-tech.com/waste-wood-one-shaft-shredder.html
Reply crimsoku
1:00 AM on November 27, 2022 
sage green smock dress texas rangers nike hat chart elite zach mettenberger womens jersey tennessee titans 7 alternate navy blue nfl rvca hawaii trucker hat elsa peretti e halston pandora turquoise ring
crimsoku http://www.crimsoku.com/
Reply goyard
12:05 AM on November 27, 2022 
I precisely wished to thank you very much again. I do not know what I might have carried out in the absence of those suggestions discussed by you directly on such a area of interest. It had become the terrifying problem for me personally, nevertheless noticing the professional avenue you processed that took me to weep for gladness. I'm happy for your service and in addition hope you comprehend what a powerful job that you're getting into instructing people thru your blog. Probably you have never encountered any of us.
goyard http://www.goyardsoutlet.com
Reply birkin bag
12:05 AM on November 27, 2022 
I have to show my appreciation to the writer just for bailing me out of this particular matter. As a result of researching through the internet and finding advice which were not productive, I thought my life was done. Existing minus the solutions to the issues you have resolved all through the short article is a critical case, and the ones which might have adversely affected my career if I hadn't come across your blog post. Your natural talent and kindness in touching all the pieces was precious. I don't know what I would have done if I had not come across such a stuff like this. It's possible to at this point look ahead to my future. Thanks very much for your expert and result oriented help. I won't think twice to propose the blog to any person who would need guidelines about this situation.
birkin bag http://www.hermesbirkins.com
Reply air jordan
12:05 AM on November 27, 2022 
I intended to put you a little bit of observation in order to thank you as before just for the splendid information you've documented at this time. It has been simply particularly generous with people like you to offer openly exactly what numerous people could possibly have marketed as an ebook to generate some money for themselves, most notably seeing that you could have tried it in case you decided. Those solutions as well served to be a fantastic way to be aware that many people have the identical dream just like my very own to grasp somewhat more when considering this problem. Certainly there are several more enjoyable situations in the future for those who discover your blog post.
air jordan http://www.airjordansstore.com
Reply pg 1
12:05 AM on November 27, 2022 
I wish to express my passion for your kind-heartedness for men who actually need assistance with your field. Your real dedication to passing the message throughout appeared to be incredibly practical and have surely encouraged professionals much like me to achieve their objectives. Your personal interesting report denotes so much a person like me and much more to my mates. Many thanks; from each one of us.
pg 1 http://www.paulgeorgeshoes.us.com
Reply off white clothing
12:05 AM on November 27, 2022 
My husband and i ended up being quite thrilled that Ervin managed to complete his web research using the precious recommendations he got from your site. It's not at all simplistic to simply always be giving away concepts which some others might have been making money from. And we all remember we have got you to be grateful to because of that. The type of illustrations you have made, the straightforward website menu, the relationships you give support to create - it's mostly amazing, and it's assisting our son and our family consider that this theme is satisfying, and that is truly pressing. Many thanks for all the pieces!
off white clothing http://www.off--whiteclothing.com
Reply tonatsuma
11:31 PM on November 26, 2022 
adidas yeezy boost 350 v2 gold ochre cheap black and grey shoes toronto blue jays flex fit hats xxl womens nike free run white grey baby red bottoms louboutin moncler jacket aliexpress nike kobe 10 all silver
tonatsuma http://www.tonatsuma.com/
Reply Henrycex
10:36 PM on November 26, 2022 
21+3 Blackjack

Vincita Book of RA
Reply snywlt
10:04 PM on November 26, 2022 
moncler bady pink alyx moncler vest nike air perce bianca python fairy princess costume girl nike nfl atlanta falcons 71 kroy biermann white elite road women jersey sale
snywlt http://www.snywlt.com/
Reply golden goose
9:30 PM on November 26, 2022 
My husband and i felt absolutely ecstatic Chris could deal with his analysis using the ideas he was given in your blog. It is now and again perplexing just to continually be making a gift of facts the rest have been making money from. And we take into account we have you to appreciate because of that. All the explanations you've made, the easy site navigation, the relationships you can help to promote - it is mostly sensational, and it is facilitating our son in addition to our family reason why the subject matter is interesting, which is certainly tremendously important. Many thanks for everything!
golden goose http://www.goldengoosesstore.com
Reply golden goose sneakers
9:30 PM on November 26, 2022 
I have to express some appreciation to the writer for bailing me out of such a instance. As a result of surfing around throughout the search engines and finding techniques that were not productive, I thought my entire life was gone. Being alive without the presence of answers to the problems you've fixed by way of your short article is a serious case, and the kind which could have adversely affected my career if I hadn't come across the blog. Your primary training and kindness in maneuvering all the things was important. I'm not sure what I would've done if I had not come across such a point like this. I'm able to now look forward to my future. Thanks very much for the high quality and results-oriented guide. I won't be reluctant to suggest your site to any individual who needs counselling about this subject.
golden goose sneakers http://www.goldengoosesneakers.us.org
Reply supreme sweatshirt
9:30 PM on November 26, 2022 
Thanks so much for giving everyone a very terrific opportunity to read articles and blog posts from this site. It is usually very pleasurable and also stuffed with amusement for me and my office friends to visit your web site the equivalent of 3 times weekly to read through the latest issues you have got. Of course, I'm so certainly happy considering the extraordinary tips served by you. Certain 4 ideas on this page are basically the best we have all had.
supreme sweatshirt http://www.supremeshirt.us.com
Reply supreme clothing
9:30 PM on November 26, 2022 
I truly wanted to construct a comment to be able to express gratitude to you for those great points you are writing on this site. My extended internet search has now been honored with good quality insight to write about with my friends and classmates. I 'd declare that we readers actually are very lucky to live in a fabulous place with so many brilliant people with beneficial methods. I feel quite happy to have encountered your entire webpages and look forward to plenty of more enjoyable times reading here. Thanks a lot once again for a lot of things.
supreme clothing http://www.supremeclothings.com
Reply jordan shoes
9:29 PM on November 26, 2022 
I would like to express some thanks to this writer for rescuing me from such a difficulty. After exploring through the internet and meeting strategies that were not productive, I believed my entire life was well over. Existing devoid of the solutions to the issues you've solved by means of your entire website is a critical case, and the kind which could have negatively affected my career if I had not discovered your web blog. Your own personal ability and kindness in playing with all areas was tremendous. I'm not sure what I would have done if I hadn't come upon such a step like this. It's possible to at this moment look forward to my future. Thank you very much for your expert and effective help. I won't hesitate to propose the sites to anybody who will need direction about this issue.
jordan shoes http://www.jordanstoreonline.com
Reply maxtraderclube
7:19 PM on November 26, 2022 
fake liverpool shirt toronto blue jays florida hat vector quality login moncler fulmarus blue blue jumpsuit dress payton pritchard celtics shirt youth nike san francisco 49ers 23 lamichael james limited white nfl jersey sale
maxtraderclube http://www.maxtraderclube.com/
Reply ¥ë¥¤¥ô¥£¥È¥ó¥³¥Ô©`Ø?²¼
6:56 PM on November 26, 2022 
Disinfectant Spray Safe For Animals http://zhgjs.com/blog/characterization-of-bacterial-diversity-bet
ween-two-coastal-regions-with/
Xmas Ceramic Milk Jug With Lid Snowman Pattern Design Home Decor Red Color For Sale https://www.nbunionsource.com/xmas-ceramic-milk-jug-with-lid-snow
man-pattern-design-home-decor-red-color-for-sale.html
�?�����????`?�� https://messiahy5ie6.blogginaway.com/18755985/the-2-minute-rule-f
or-�?-�����?�?�����?`