Research for the scheme
Under the new pension rules, providers use risk-preference research when determining risk attitude. This concerns how much risk members want and are able to bear. Results inform policy for groups, such as age cohorts, alongside other relevant information.
It does not mean every member must complete a personal test or that their answers directly determine their own portfolio. Research is repeated at least every five years. Your fund explains how it involves members and uses the results.
Your individual investment choice
Separate rules apply if your scheme offers investment freedom. When you use that freedom during accumulation, the provider must gather relevant information including financial position, knowledge, experience, objectives and risk appetite, and base its advice on that information.
Options vary between schemes and between accumulation and payment phases. Not everyone can independently choose an aggressive, balanced or defensive profile. Ask which options, default and restrictions actually apply to you.
A questionnaire is not a quality seal
There is no general rule that every pension questionnaire must carry an AFM-approved consumer seal. Supervision and statutory requirements differ from approval of your personal outcome. Mijnpensioenoverzicht is not automatically a provider of an individual risk test either.
Answer honestly and ask about unclear scenarios. A profile is more than a reaction to the latest market movement. It needs to be understood in the context of your financial situation and objectives.
Has your situation changed?
Tell your provider about relevant changes and ask whether your individual profile needs reviewing. The five-year period for group research is no general instruction to leave personal changes unaddressed that long. Do not switch profiles without further assessment merely because you are young or two online tests disagree.
What does BPH do?
Bureau Pensioen Hulp has no AFM licence. BPH provides general education and, on request, can introduce you to an external adviser using contact details only. BPH does not provide personal product recommendations, compare products for you or mediate in arranging them. Check an external adviser’s authorisation, services and fees yourself.
Frequently asked questions
Does group research determine my personal portfolio?
Not directly. It supports risk attitude for groups; individual investment choices follow a separate process.
Should I wait for the next group survey after a personal change?
No. Discuss relevant changes in your circumstances with your provider.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.