APG is a strong supporter of a collective and solidarity-based pension system

Like our clients, we believe in a strong Dutch collective pension system that is based on solidarity. It is our mission to support this system with our knowledge and expertise. With this, we wish to help realise that a good and affordable collective pension remains a fact for present and future generations.

APG carries out collective pension schemes for participants in the education, government and construction sectors, cleaning and window-cleaning companies, housing corporations and energy and utility companies. We manage pension assets of in total approximately 275 billion euros (November 2011) for these sectors. APG works for over 30,000 employers and provides for the income of around 4.5 million participants. APG administrates over 30% of all collective pension schemes in the Netherlands.

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'Pension funds have very different questions. Where one fund may focus on setting up its administration properly, another fund may require good and timely collection of pension premiums and effective enforcement. And yet another fund may need to strength its management support whereby they may wish to make use of our policy experts in management support or communication. Therefore, the implementation of the pension administration is always customised. This also applies with regard to asset management. The risk and investment policy is closely aligned to the risk profile of the fund. And the choices with regard to investments must be completely in line with the risk tolerance of the management.' Alwin Oerlemans Director Institutional Business Development


'Pension administration is becoming increasingly complex due to changes in pensions schemes. For example, the new pension agreement that proposes a new pension structure as from 2011. In addition, increasingly, new laws and regulations apply to pensions. For instance, since three years, the Netherlands Authority for the Financial Markets (AFM) supervises the conduct of pension funds and the requirements with regard to pension fund governance have become more stringent. And then I do not even mention the regulatory burden following from the financial crisis. APG can provide assistance with this. APG has in-depth knowledge of the whole range of regulations and is able to provide expert advice.' Wim Moes, Director Product Research & Development


'Good risk management starts with the risk profile and the risk tolerance of the fund. Safeguarding pension entitlements and the ambition to index are central focal points in our risk management policy. APG’s risk management enables you, as a pension fund manager, to identify risks in a systematic manner, to determine their size and to carry out an adequate policy. Our clients receive monthly risk reports, so that an optimal dialogue is possible regarding the risk profile and the results. A wide range of quantitative risk models, advanced steering instruments and modern risk performance reporting tools support these processes. Risks in connection with the execution of processes are monitored closely and audited and certified where necessary.' Onno Steenbeek Director Asset Liability Management