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.

All benefits consolidated in one handy app

With MyAG Employee Benefits, your employees can access their benefits anytime and from anywhere they want, via their computer or their app. Plus, they also benefit from services to improve their mental resilience (only via the app).


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 estate.

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.

Quickly to

Enjoy an investment buffer thanks to a good investment strategy.
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'.


Integrating Cash Balance in a Cafeteria Plan allows your staff members to make their own choices.

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.

AG Employee Benefits attaches great important to providing you with digital support.

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

MyAG Employee Benefits

It's a secure, user-friendly app and platform for plan participants to find out everything they want to know about their corporate-sponsored group insurance. On the app, your employees can access their covers, anytime and anywhere. All of the MyAG Employee Benefits features are also available via your computer, but the services are only accessible via the MyAG Employee Benefits app.
The very first fully customised web-based platform for corporate-sponsored supplementary insurance. It’s the go-to source for your staff to find out everything they need to know about their supplementary benefits you have carefully hand-picked for them via
AG Employee Benefits.

1. Handy features wherever and whenever your employees want them
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.

2. Services to help your staff members take care of their health  (only on the app) 
With the MyAG Employee Benefits app, you'll be entitled to many additional services to boost your mental resilience.
Easy access to a wide range of front-line care and support to help you stay mentally and physically healthy. My Mind by AG​. 

More information about MyAG Employee​ Benefits

Sustainability information

epending on the selected funds, the plan incorporates ESG factors that allow it to contribute to a positive impact on the environment and/or society and to limit negative impacts on the environment and/or society, through an appropriate selection of investments. Information on these ESG factors is available here (FR​ – NL). To find out more about AG's approach to sustainable and responsible investing, go to

You will also find more information in the sustainability fact sheet (FR​ – NL​) for each of the funds that can be included in this product as well as the corresponding annual report (FR - NL​).

For customers looking to double down on their commitment to ESG, AG also offers Branch 21 (FR NL) and Branch 23 (FR - NL​) products that take an even more advanced approach.

Intrigued? Want to find out more?
Ask your questions about Cash Balance or request a non-binding offer via the contact button. You can also check the AG EB Invest dashboard​ for a clear and detailed overview of each of our funds.

Do you have a question?

Contact one of our sales managers