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Cash Balance

The best of both worlds. A modern and flexible solution to accrue a supplementary pension nest egg for your staff members, plus loads of advantages for you as their employer.

Collective financing

You choose the financing fund (Branch 21 or Branch 23) in which to deposit the collective allocations.

Decide the return for your staff members

Decide beforehand what amount you want to award to your staff members and the return you want to guarantee.

Minimum allocation

Do your accrued reserves exceed your commitments towards your staff members? Opt for a minimum allocation and retain the investment buffer for future payments.

Possible in Cafeteria Plan

Decide the budget, the risk covers and the possibilities for your staff members as regards the coverage of the risks.

Exchange data efficiently

Say goodbye to mounds of paperwork. Use AG EB Online to manage quickly and simply the data of your staff members.

My Global Benefits

The ideal digital solution for your staff. It’s the go-to place for them to check the size of their supplementary pension nest egg and even manage their choices.


You’re in the driver’s seat

Individual entitlements

The Cash Balance plan allows you to decide the amount and the return that you want to award to your staff members. The return may be a fixed percentage, or the return of a financial instrument or index such as OLO linear bonds. Every month a savings amount will be deposited on a notional account in the name of the member, the virtual piggybank of your staff member. This amount will increase in step with the return that you award.

Collective financing

In contrast the financing of these individual entitlements is of a collective nature. Periodically you will remit allocations to a collective financing fund. Depending on your appetite for risk, you then choose how to invest these allocations/remittances:

Branch 21, with a guaranteed return.
Branch 23, without a guaranteed return, in a mix of shares, bonds, cash and real

So you decide the investment strategy, taking into account the return that you guarantee your staff members, the risk profile of the funds chosen and any safety margin or buffer that you want to build up.

See also

Retain control over your periodical remittances.


With a well thought-out investment strategy, it is perfectly possible that the reserves accrued by your financing fund will be higher than what you promised your staff members.

This investment buffer gives you two choices:
You keep the surplus and may use it later whenever you choose. In the meantime, you pay a minimum allocation and the surplus goes on increasing according to the return of your financing fund.
You stop making contributions until the surplus has disappeared. You will then enjoy a 'contribution holiday'.


Give your staff members freedom

Integration in a Cafeteria Plan

It is simple to integrate the cash balance in a Cafeteria Plan.

It's up to you to decide:
the budget allocated to the group insurance
the return you wish to guarantee
the types of risk coverage you want to offer (financed within or outside the budget)
the various options for your staff members in terms of the risk coverage.

The member can subsequently make choices: he/she can decide, within the limits set by you, about the level of risk coverage such as death cover or a disability pension.

Cash advances

Another option is to allow your staff members to take out a cash advance on their supplementary pension benefits. They can apply a portion of their accrued pension reserves towards buying or remodeling real estate or to pay off a mortgage loan, long before they reach retirement age.


Unique advantage: digital support

AG Employee Benefits has capitalised on the digital revolution to provide additional value to its customers. For the benefit of you and your staff members, we’ve developed a unique digital platform that offers a multitude of possibilities, all in a user-friendly environment.

AG EB Online

Whether it’s to enrol new employees, manage existing plan participants or transfer other data, you’ll be happy to know that your days of endless paperwork are over. It’s all right at your fingertips with our unique, user-friendly web application.

Find out more about AG EB Online

My Global Benefits

The market’s very first digital supplementary pension platform for employees. In just a few keystrokes, your participants can check the size of their supplementary pension as well as their death benefit coverage. And that’s not all – we’ve even incorporated their healthcare plans. My Global Benefits is also the go-to place for your staff to check the status of their selected funds or to change funds.

More information about My Global Benefits

Want to find out more?

Send in your questions about Cash Balance or request a non-binding quote via the contact button.

Do you have a question?

Contact one of our sales managers