Unfortunately you, as the insured, cannot do anything to prevent redistribution. It is the job of your pension fund to minimize cross-financing as much as possible through the reduction of the guaranteed minimum interest rate, altering conversion rates and well-diversified investments.
If you are of the opinion that the benefits of your employer's pension fund are not sufficient, we advise an open discussion. Demand transparency and an assessment of alternative providers – and a change of pension fund, depending on the result.
Vita Invest offers an opportunity to avoid redistribution entirely. In this retirement provision solution, the retirement provision assets of employees are managed via an individual balance sheet and earnings only benefit the employees of your company.