APG – 365,500,000 km² of asset management

APG provides asset management services for the pension funds for which APG works. In doing so, APG invests worldwide. APG develops investment strategies for 3-year periods based on the pension fund's liabilities. These strategies are determined annually and assessed in a new investment plan. Our long-term perspective, our scale and our expertise are directed at realising a sound and stable return for our clients.

Watch the video: Resposible investing at APG (playing time 4.25 minutes)

Responsible investing at APG

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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 Client Solutions


'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 ALM and Risk policy