Alto Bonus is a Cash Balance plan with financing in collective management under Branche 23 / Tak 231. This is a group insurance policy that uses variable remuneration to build up a supplementary pension for your employees.
What makes Alto Bonus unique is that the pension premium is linked to your employees' performance. That's why it's called a "bonus" pension plan.
A win-win tax situation
A bonus pension plan is much more financially attractive for your employee than a pay rise.
The premiums are deductible as business expenses within the limits of the 80% rule2.
A chance of higher returns thanks to Branche 23 / Tak 231
With a Branche 23 / Tak 23 solution1, there is no guaranteed return3 and it is possible for good years to be followed by bad ones. However, the long term nature of a group insurance policy means that risks even out, and there is a greater chance that you will be able to meet your financial obligations in full so that your employees can benefit from a healthy boost to their pension pots.
It's also worth thinking about convenience. As an employer, you can choose between 36 different Branche 23 / Tak 231 funds that range from defensive to dynamic, including 4 profile funds that are managed internally by NN. That makes it easy to decide for yourself how much risk you want to take. Without needing to take responsibility for actively managing your investment, as you can leave that in the safe hands of our experts.
Thanks to the online My WorkPlace application, you have access to everything you need to easily and securely manage your group insurance policy wherever and whenever you want – 24 hours a day, 7 days a week.
A helping hand when buying real estate
Is one of your employees planning a real estate project? With this group insurance policy, you can give them the chance to finance their plans at a better rate, by means of an advance payment4 on their contract, which comes with some extremely attractive terms. This arrangement will not result in any paperwork for you, as NN will arrange everything directly with the employee involved.