{"id":2972,"date":"2020-01-21T13:00:00","date_gmt":"2020-01-21T12:00:00","guid":{"rendered":"http:\/\/www.pensioenfondsmercer.nl\/?p=2972"},"modified":"2020-02-20T08:18:15","modified_gmt":"2020-02-20T07:18:15","slug":"verhogen-van-pensioenen","status":"publish","type":"post","link":"https:\/\/www.pensioenfondsmercer.nl\/index.php\/2020\/01\/21\/verhogen-van-pensioenen\/","title":{"rendered":"Dekkingsgraad 31 december 2019"},"content":{"rendered":"\n

<\/p>\n\n\n

Ontwikkeling (beleids)dekkingsgraad<\/strong><\/p>\n

In onderstaande grafiek geven wij het verloop van de verschillende dekkingsgraden tot en met 31 december 2019 weer en het minimaal vereiste eigen vermogen.<\/p>\n

\"\"<\/a><\/p>\n

Actuele dekkingsgraad
<\/strong>De schatting van de actuele dekkingsgraad per 31 december 2019 is 101,7%. Dat is 2,0% hoger dan de dekkingsgraad van eind november 2019.<\/p>\n

De stijging van de actuele dekkingsgraad is mede het gevolg van het besluit van het bestuur  om de sterftegrondslagen aan te passen. Dit bestuursbesluit is gebaseerd op de publicatie van het CBS van 24 oktober 2019 over de update van inkomensafhankelijke sterftekansen.<\/p>\n

Beleidsdekkingsgraad
<\/strong>De beleidsdekkingsgraad van Pensioenfonds Mercer is eind november uitgekomen op 100,8%, Deze is ongewijzigd t.o.v. de beleidsdekkingsgraad van november 2019.<\/p>\n

De beleidsdekkingsgraad is het gemiddelde van de dekkingsgraden van de laatste 12 maanden. De trend van deze dekkingsgraad is te zien in de lichtblauwe lijn in de grafiek.
De ontwikkeling van de dekkingsgraad van Pensioenfonds Mercer is in lijn met de ontwikkeling van de dekkingsgraden van andere fondsen.<\/p>\n

Dekkingsgraad moet hoger dan 100% zijn<\/strong>
De hoogte van de dekkingsgraad hangt af van hoeveel geld ons fonds heeft; het vermogen dus om nu en in de toekomst moet uitbetalen. Als de dekkingsgraad 100% is, is er precies genoeg geld om alle pensioenen uit te betalen. Maar de dekkingsgraad moet hoger zijn dan die 100%, omdat ons fonds ook reserves moet aanhouden. Deze zijn nodig om de risico\u2019s te beheersen, ze vormen het vermogen van ons fonds.<\/p>\n

Marktrente<\/strong>
De actuele dekkingsgraad (DNB RTS) wordt vastgesteld met de door DNB gepubliceerde rentetermijnstructuur. Deze wijkt af van de werkelijke marktrente en daarom laten we in de grafiek hierboven ook de dekkingsgraad voor het verloop van de marktrente zien.<\/p>\n

<\/p>\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Ontwikkeling (beleids)dekkingsgraad In onderstaande grafiek geven wij het verloop van de verschillende dekkingsgraden tot en met 31 december 2019 weer en het minimaal vereiste eigen vermogen. 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