We innovate for your financial future

We want our clients to have more freedom of choice. Which sounds great, but isn’t always that easy. Where do you begin? How do you keep pace with all the changes? Where do you go for more information? And how do you choose between all the new financial services, apps and more? In this dynamic world, we believe there’s more need than ever before for an experienced guide who can help Dutch people with their financial future.

A good income today, tomorrow and in the future. It’s something we want for every Dutch citizen. So we see it as our social duty to use our knowledge, experience and innovative flair to help safeguard the financial well-being of our clients (participants and pensioners). We’re convinced that for a minimal fee we can offer objective coaching and financial advice with the client’s interests at heart. Ensuring higher quality of life and less stress.  

Take control of your financial future

We want to help our clients so they get a better grip on their financial future and well-being. This is a quest we’ll be undertaking in the coming years along with our funds and clients. And we’ll do this in three ways:

• By trying to understand what dreams, ambitions and worries Dutch people have when it comes to events that affect their finances;
• By experimenting with possible solutions, and developing products & services that let us better address the financial concerns of Dutch people;
• By seeking out collaborations with others, so that together we can offer even better solutions.

Our ambition is to help people become less financially vulnerable. And avoid any nasty surprises. Because the beauty of financial stability is that it offers security, peace of mind and less stress. Which in turn contributes to a better quality of life.

The Groeifabriek develops smart solutions

The Groeifabriek is APG's innovative heart when it comes to new products, services and concepts. We focus on services and solutions that help people become financially fit, and contribute to both their prosperity and well-being. We do this by experimenting and testing. Using, for example, data analysis, algorithms and other forms of artificial intelligence. And once we’ve established their added value, we ensure these new solutions are actually brought to market.

The Groeifabriek develops solutions for employees, pensioners, employers and the pension funds for which we work. And where necessary, we seek contact with other stakeholders in society. Because together you achieve more.

Learn more about our innovations

In recent years, we have been experimenting in a variety of areas. Launching a number of experiments and propositions in line with our ambition to become the Trusted Guide. Such as our online platform kandoor.nl, where our specialists help anyone (free of charge) with their financial questions. And geldvinder.nl (money finder) which helps you work on your financial fitness. Call centre employees can use our solution Next Best Question to predict clients' retirement questions. While hyfen.nl is a service that can help you, for example, transfer your accumulated pension with you when you switch to another pension fund.

For more smart innovations, check out the section below. And we’d love to show you precisely how we operate. Download our innovation manual here (11MB).