2025-11-19
The Dutch Authority for the Financial Markets (AFM) issued this report to guide providers of third-pillar pension products in preventing foreseeable disappointments through improved product development. The regulator identifies six key areas for enhancement, including ensuring appropriate target group definitions, implementing essential risk reduction strategies, and ensuring transparent communication of real-value returns. Providers are expected to integrate these considerations into their analysis and evaluation processes to guarantee that final pension payouts align with customer expectations.