KBC Pension Fund Solutions

Pensions have become a strategic HR theme, contributing to financial peace of mind, well-being and employee retention. At the same time, the government is pushing for greater responsibility from employers and hopes to have at least 3% of salaries spent on supplementary pensions by 2035. Pension Fund Solutions is KBC's way of helping address these pension challenges. We use our years of knowledge and experience to offer SMEs something unique: the strength of our pension fund.

When you sign up to KBC Pension Fund Solutions, KBC takes care of monitoring, administration and regulatory reporting. As an employer, you retain insight and control while maintaining simplicity. We’re also committed to clear and transparent communication to ensure that employees better understand how you contribute to their pension as an employer, increasing their appreciation for that commitment. Pension Fund Solutions provides a single, unique point of contact for all your questions.

Thanks to professional asset management and a clear long-term strategy, the expected and past returns are higher than those of traditional group insurance with a guaranteed return such as guaranteed-rate life insurance (class 21). In doing so, the asset manager focuses on making responsible investment choices.. You should also be aware that 1% additional return can result in up to 20% more pension capital in the long term. You can determine the risk profile of the investment portfolio yourself.

The multi-employer model combines several companies in a single pension fund, ensuring economies of scale, reduced management fees and increased efficiency, all of which benefit returns. In addition to pension accrual, competitively priced supplementary cover such as death or work disability cover can easily be integrated.

Belgian pension funds are specifically designed to withstand economic fluctuations. They look beyond short-term trends and focus on sustainable long-term value creation. This translates into a broad and considered approach:

• Diversified portfolios: shares and bonds
• Active risk management, which involves managers making timely adjustments in the event of market shocks
• Periodic investments in order to spread the timing of investments and reduce timing risks

This approach has proven effective. Despite crises such as the pandemic, the energy crisis and geopolitical conflicts, the long-term returns of Belgian pension funds remain remarkably stable at around 5.5%.

Well-being at work is more important than ever. At KBC, we’re happy to help support the well-being of your employees who are covered by a KBC Employee Care product. They’ll receive one year of Plus membership for the Leadlife app, courtesy of Leadlife⁵. Thanks to tailored advice, you’ll get immediate practical support in taking the next steps to address a variety of issues, including a lack of energy, back problems and quitting smoking. During the work week you can chat with an expert who’ll provide you with advice. What’s more, you can easily schedule appointments online with health professionals, including psychologists, from the comfort of your home. Together we can maintain a healthy business environment.