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APG is committed to a good and affordable pension, now and later
Publications
White paper - Pension infrastructure technology assessment
This paper is the summary of a distributed ledger technology (DLT) assessment and its outcome. The assessment was commissioned by APG on behalf of a consortium of pension stakeholders who joined forces in the Pension Infrastructure (PI) project. The latter is a unique Dutch pension use case that aims at increasing operational efficiency, improving participant experience, and creating value for society.
The key question was: can we use DLT to better organise the Dutch pension system, and is it technically feasible? To answer it, we developed a custom framework, leading to distilled insights in the rapidly maturing and volatile DLT market. The assessment was carried out in Q1 2019 by APG, PGGM and Accenture. TNO has supported this effort through contributing knowledge and feedback throughout the process.
The key question was: can we use DLT to better organise the Dutch pension system, and is it technically feasible? To answer it, we developed a custom framework, leading to distilled insights in the rapidly maturing and volatile DLT market. The assessment was carried out in Q1 2019 by APG, PGGM and Accenture. TNO has supported this effort through contributing knowledge and feedback throughout the process.
Responsible Investment Report 2018
In 2018, APG has made significant progress in realizing our pension fund clients’ stated ambitions in the areas of sustainability and responsible investment. This relates, among other things, to the growth of our investments in the UN Sustainable Development Goals, and the progress that has been made in assessing all companies APG can invest in via shares or bonds on the basis of both financial and sustainability factors. These results were announced in the Responsible Investment Report 2018, published today.
APG Group N.V. 2018 Annual Report
In 2018 APG achieved an average additional return for its pension funds and their members of 90 basis points compared to the market. At the same time, APG succeeded in reducing its administration costs per participant by 6% to €69.40. APG also gave 850,000 ABP participants an insight into pension assets via the Personal Pension Depot, and 56,000 SPW participants were given a financial action agenda with the launch of Clear Overview and Insight. APG's turnover in 2018 was €1,036 million. The net result was €48 million. These results were announced in the Annual Report 2018 published today.
MiFID II - Annual Report Equities Derivatives 2018
The revised EU Markets in Financial Instruments Directive 2014/65/EU (MiFID II) requires firms providing portfolio management, who execute decisions to deal on behalf of their client’s portfolio or place orders with other entities for execution, to summarise and make public on an annual basis, for each class of financial instruments, the top five execution venues where they executed client orders and the top five investment firms where they placed client orders for execution in terms of trading volumes in the preceding year and information on the quality of execution obtained.
The following information is published in accordance with the technical standards as set out in Commission Delegated Regulation EU/2017/576 (RTS 28) representing the provision of the portfolio management investment service towards professional clients during the 2018 calendar year.
Download Top 5 counterparty overview (machine readable)
APG is there for people in beautiful professions
We don’t interact with you directly, but work on behalf of several pension funds. These pension funds may not all sound familiar, but they represent the pensions of people in beautiful and diverse professions such as teachers, civil servants, construction workers, police officers, military personnel, cleaners, window washers, medical specialists, architects, and people working at housing associations, energy companies, and in sheltered employment.
APG is there for people in beautiful professions
We don’t interact with you directly, but work on behalf of several pension funds. These pension funds may not all sound familiar, but they represent the pensions of people in beautiful and diverse professions such as teachers, civil servants, construction workers, police officers, military personnel, cleaners, window washers, medical specialists, architects, and people working at housing associations, energy companies, and in sheltered employment.
We work for ABP, bpfBOUW, SPW, BPF Schoonmaak, PWRI, SPMS, Employee Pension Fund APG (PPF APG), Pension Fund for practices of Architects, and the employers in these industries.
Who we are
Together with pension funds and employers, we – as the largest pension administrator in the Netherlands – use all of our knowledge to offer the people who accrue their pensions with us the maximum amount of value for each euro they put towards their pension. We call this pension value. Pension value is about achieving good return on investment, but it is also very much about crystal-clear and flawless administration at the lowest possible cost.
It is also about having insight into your income level after retirement, and about how much you expect you will need at that time. What you expect from your future is a difficult question to answer. After all, your life could take so many different paths. That is why we advise you to start early; take the opportunity to think about what comes later and work on your income for later as soon as you can. We are happy to help you address all of these questions.
Who we are
Together with pension funds and employers, we – as the largest pension administrator in the Netherlands – use all of our knowledge to offer the people who accrue their pensions with us the maximum amount of value for each euro they put towards their pension. We call this pension value. Pension value is about achieving good return on investment, but it is also very much about crystal-clear and flawless administration at the lowest possible cost.
It is also about having insight into your income level after retirement, and about how much you expect you will need at that time. What you expect from your future is a difficult question to answer. After all, your life could take so many different paths. That is why we advise you to start early; take the opportunity to think about what comes later and work on your income for later as soon as you can. We are happy to help you address all of these questions.
What we stand for
At APG, it is our job to focus on the future. We have a leading role in the pension sector. We are not a listed company, and we are proud of that. We aim to generate a return that fits a socially conscious company. Moreover,in the interest of the pension funds and their participants, we aim to produce a return that is both solid and financially stable. Everything we do is for the benefit of the 4.6 million participants and their pension funds. Our position in relation to banks, pension insurers, asset managers and newcomers to the pension world is clear: we are always on the side of the participants who entrust us with their pension money through the pension fund.
What we stand for
At APG, it is our job to focus on the future. We have a leading role in the pension sector. We are not a listed company, and we are proud of that. We aim to generate a return that fits a socially conscious company. Moreover,in the interest of the pension funds and their participants, we aim to produce a return that is both solid and financially stable. Everything we do is for the benefit of the 4.6 million participants and their pension funds. We are always on the side of the participants who entrust us with their pension money through the pension fund.
Who is APG
The financial future for generations now and later
Working at APG
The ideal place to learn, grow and prove yourself.
