Standard Retirement Plan
A guaranteed retirement plan provides you peace of mind so that you can enjoy life, now and in the future! With a standard retirement plan, such as a final wage retirement plan or a career average wage plan, the retirement amount is defined in advance. Salary, accrual percentage, and the number of years employed determine the retirement amount. It is also possible to take out additional insurance that provides security in the event of occupational disability or death. No matter which type of retirement plan or additional insurance you choose, changes are always possible. This is comforting, because your personal and/or business situation can change.
There is no risk and you receive a guaranteed capital at maturity, which is either paid out as a lump sum or as periodic payments in addition to any other retirement plan. You know exactly what the minimum amount is that you can expect to receive at the end of the policy's term.
Moreover, with ENNIA you also share in excess interest as a type of profit sharing which is credited to your guaranteed retirement plan each year. Excess interest profit sharing is not guaranteed and is dependent on the investment results at the end of the year. These results can vary from year to year. The accrued excess interest profit sharing amount is credited to your policy annually.
ENNIA's Standard Retirement Plan:
- A retirement plan based on a guaranteed retirement commitment.
- A flexible retirement plan based on a defined premium.
Why choose ENNIA's Standard Retirement Plan?
- Guaranteed capital at maturity.
- Excess interest profit sharing helps your capital increase.
- Optional additional coverage available.
ENNIA's Standard Retirement Plan provides you with a wide choice of coverage. As such you can be assured that your heirs will be well taken care of. No matter which type of retirement plan or additional insurance you choose, changes are always possible. That's comforting, because your personal and/or business situation can change of course.
Retirement plan based on a guaranteed retirement commitment
With a standard retirement plan, such as a final wage retirement plan or a career average wage plan, the retirement amount is defined in advance. Salary, accrual percentage, and the number of years employed determine the retirement amount. However, the retirement expenses are variable and thus more difficult to manage and less predictable.
Flexible retirement plan based on a defined premium
With a retirement plan that is based on a pre-defined premium, the deposits are the starting point of the plan. This plan enables you to effectively manage the costs of your retirement plan, now and in the future. Because there's a direct relation to the premium to be paid, you always know exactly where you stand and you will never be faced with unpleasant surprises.
Start securing your financial future today!
The day will come when you will have tons of time to do what you have always wanted to! Without a doubt, you already have your own ideas on how you would like to spend all that free time! A retirement plan does not only mean more free time, it usually also means a reduced income. That’s why it’s a good idea to review your current status now, so that you can take action in plenty of time to prevent unpleasant surprises later.
Together with an ENNIA retirement plan expert, you can start by making a sound analysis of your current and future financial situation, so that you will have a clear and accurate picture of what the possibilities are and any areas where measures may need to be taken.
A good way to start building up a retirement plan is by analyzing your current and future financial situation. Together with an ENNIA retirement plan expert, your entire situation will be reviewed, so you have a clear picture of your possibilities, and any measures that may need to be taken. Together with your advisor, you decide how much you wish to contribute to your personal retirement plan. You decide on the type of retirement plan and on any additional insurance that you may wish to take out.
ENNIA or your independent adviser would be pleased to prepare an estimate of the premium for a retirement plan that matches your personal situation.
Click below to download forms and brochures.
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ENNIA Curaçao
J.B. Gorsiraweg 6
P.O. Box 581
Curaçao
Opening hours: Monday to Friday 8:00 am to 4:30 pm
T- (00 5999) 434 3800
F- (00 5999) 434 3873
mail@ennia.com
www.ennia.com
ENNIA Customer Center
J.B. Gorsiraweg 6
P.O. Box 581
Curaçao
Opening hours: Monday to Friday 8:00 am to 4:30 pm
T- (00 5999) 434 3888
F- (00 5999) 434 3858
mail@ennia.com
www.ennia.com
If you have questions or want to make an appointment, click here.
