Virtual integration of investment products leads to better decisions regarding risk and return

People are increasingly confronted with individual choices regarding the financing of their pensions. This requires complex risk and return decisions on various investment products. The chance of making wrong choices can be reduced by offering multiple investment products integrated in an interactive tool. Especially when multiple risky products are offered integrated, people benefit from this: they often choose a mix that fits well with their personal risk profile.

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Key message for the sector

  • Virtual integration of various investment products using an interactive tool helps people make better investment decisions.
  • Virtual integration is especially helpful if consumers have multiple risky investments.
  • This allows pension funds to develop a customized investment strategy by using the risk-return profiles that participants determine themselves.

Want to know more?
Read the paper ‘The impact of the virtual integration of assets on consumers’ pension risk preferences’ by Sesil Lim, Bas Donkers and Benedict Dellaert (EUR)

Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.

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