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  • Press | About us | PFZW
    can find information that will provide an insight into Pensioenfonds Zorg en Welzijn s financial position Quarterly report Pensioenfonds Zorg en Welzijn publishes a quarterly review on it s solvency investments and pensions Lees meer Annual report You can find more information on our financial position in the Annual Report Lees meer Deel met anderen Deel deze pagina via Mail Facebook Twitter Hyves About us Dutch Home Press Quarterly report

    Original URL path: http://pfzw.nl/about-us/press/paginas/press.aspx (2012-11-27)
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  • Quarterly report | Press | About us | PFZW
    markets and gains on investments The funding ratio was also positively impacted by the change prescribed by the Dutch central bank DNB in the method of computing the interest rate used to calculate the market value of liabilities Peter Borgdorff Managing Director of Pensioenfonds Zorg en Welzijn In the last quarterly report we expressed our concern that we too might have to reduce pensions and pension rights There were two factors that could make a difference a rise in interest rates and a change in the calculation of the actuarial interest rate In the event interest rates did rise and a different method has been adopted to determine the actuarial interest rate A different calculation method does not solve all the problems The method was intended to be more realistic we must not be overly optimistic but nor should we be pessimistic In order to stay on track with the short term recovery plan we need a funding ratio of 100 4 by the end of this year We are now very close to that figure but the situation will remain tense in the coming months We are doing everything in our power to achieve the best possible result Hopefully the economy will play its part Here you can download the full quarterly report in PDF format Quarterly report archive Please find below the previous quarterly reports Quarterly report 2nd quarter 2012 Quarterly report 1st quarter 2012 Quarterly report 4th quarter 2011 Quarterly report 3rd quarter 2011 Quarterly report 2nd quarter 2011 Quarterly report 1st quarter 2011 Quarterly report 4th quarter 2010 Quarterly report 3rd quarter 2010 Quarterly report 2nd quarter 2010 Quarterly report 1st quarter 2010 Quarterly report 4th quarter 2009 Quarterly report 3rd quarter 2009 Quarterly report 2nd quarter 2009 Quarterly report 1st quarter 2009 Quarterly report 4th

    Original URL path: http://pfzw.nl/about-us/press/quarterly-report/paginas/quarterly-report.aspx (2012-11-27)
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  • Annual report | Press | About us | PFZW
    Annual Report Annual report archive Please find below the previous annual reports Annual report 2010 Deel met anderen Deel deze pagina via Mail Facebook Twitter Hyves About us Dutch Home Press Quarterly report Annual report Corporate information Our mission Organisation Investments Why invest How invest Responsible investments Which investments PFZW About us Press Annual report Press Quarterly report Annual report Go to Press releases Dutch News Dutch PFZW in the

    Original URL path: http://pfzw.nl/about-us/press/annual-report/paginas/annual-report.aspx (2012-11-27)
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  • Our mission | Corporate information | About us | PFZW
    growing demand among participants for more than just pensions was the reason for the new name and organisational form Over the past few years various ways of meeting these demands for income products and services have been investigated As a pension fund it was not possible under the statutory rules to offer supplementary products and services in the market which is why it was decided to split policy making and administration into two legally separate organisations Alongside Pensioenfonds Zorg en Welzijn the employers and employees organisations in the sector have established a cooperative trust under the name of PGGM New start Pensioenfonds Zorg en Welzijn effectively started a new life in 2008 What is new is that we have outsourced the administration of the pension scheme while continuing to operate as in our previous existence on a not for profit basis and keeping the cost of your pension as low as possible Focus on innovation A new life also offers new opportunities Outsourcing the administration of our pension scheme means we can now devote all our attention to policy and focus even more closely on the innovations taking place in the world of pensions Our participants will see the benefits

    Original URL path: http://pfzw.nl/about-us/corporate-information/our-mission/paginas/our-mission.aspx (2012-11-27)
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  • Organisation | Corporate information | About us | PFZW
    its members Essentially the Board operates on the principle of collective expertise In other words it seeks to ensure that all the various skills and knowledge required are present to a sufficient degree on the Board as a whole with the individual members complementing each other s expertise Monitoring performance The quality of the Board of Governors is closely monitored At least once a year the Board evaluates its own performance The chairman also holds annual meetings with the individual members of the Board to discuss their performance Pension Council The Pension Council consisting of participants pensioners and employers is an important part of our organisation In order to implement the principles of good pension fund governance it has been decided to integrate co determination and the new accountability function into the Pension Council As well as extensive powers of recommendation the Council also has the right of approval in some instances Support for the Board of Governors The Board of Governors is supported in the new organisation by the Executive Office which is responsible for overseeing the operation of the pension scheme This involves overseeing the work of the administrative organisation The Executive Office is also responsible for monitoring

    Original URL path: http://pfzw.nl/about-us/corporate-information/organisation/paginas/organisation.aspx (2012-11-27)
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  • Investments | About us | PFZW
    for an acceptable contribution Lees meer Responsible investments Pensioenfonds Zorg en Welzijn is responsible for the proper financial implementation of the pension scheme At the same time it also has a social responsibility Lees meer Which investments In order to provide clear information on its activities and policy Pensioenfonds Zorg en Welzijn publishes an annual list of all investments the asset managers involved and their investment mandates Lees meer Deel

    Original URL path: http://pfzw.nl/about-us/investments/paginas/investments.aspx (2012-11-27)
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  • Why invest | Investments | About us | PFZW
    quality pension with lower pension contributions Earning money for our participants The aim of the investment policy is to earn money for the participants in the pension fund It is important not to take too much risk Investments may decrease in value making the payments of current and future pensions less certain What happens if no risk is taken Investments entail risks but investing with risk is expected to generate higher returns What would happen if no risk was taken and the money was held in a savings account As a consequence the pension contribution would have to double in order to provide the same pension An employee currently works an average of one day for his pension If the money was not invested he would have to work two days In order to offer a high quality pension with an acceptable contribution level the board of the pension fund determines each year how much risk can be taken with investments and the return that can be expected on those investments Reference date 1 September 2010 The value of investments may fluctuate Past performance is no guarantee for future returns Deel met anderen Deel deze pagina via Mail Facebook Twitter

    Original URL path: http://pfzw.nl/about-us/investments/why-invest/paginas/why-invest.aspx (2012-11-27)
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  • How invest | Investments | About us | PFZW
    But how And what steps does Pensioenfonds Zorg en Welzijn take in order to turn those assets into investments Step 1 Asset Liability Management ALM In this first step the board determines the main features of the investment policy The board specifies the permissible investment risk and the target return To do so it needs information What or who provides the board with this information Step 2 Investment strategy The investment policy is developed further in this second step The aim of Pensioenfonds Zorg en Welzijn s investment strategy is to create an investment mix which can be expected to generate a higher return and has a lower risk than the results of the ALM study in step 1 But how The pension fund applies three key principles Step 3 Porfolio management In this third step the administrative organisation actually invests the pension fund s assets The strategic benchmark from step 2 forms the starting point Read more about portfolio management Deel met anderen Deel deze pagina via Mail Facebook Twitter Hyves About us Dutch Home Press Quarterly report Annual report Corporate information Our mission Organisation Investments Why invest How invest Responsible investments Which investments PFZW About us Investments How

    Original URL path: http://pfzw.nl/about-us/investments/how-invest/paginas/how-invest.aspx (2012-11-27)
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