Staff is the "human capital" within a company. It contributes for a considerable part to the profits and successes of the company.

The rapidly growing awareness of pensions leads to increasing demand among employees.

So a wise decision to invest in staff.

Optimum takes stock of the wishes of both employer and employee, negotiates with pension providers about the costs of implementation, draws up the pension regulations and provides collective and individual presentations.

Employees and directors are among the top managers of the business organization. A different salary structure, employment conditions and heavier responsibilities require a more specialist and individual approach to the pension issue.

Optimum is happy to offer its knowledge and expertise to come to a suitable facility.

The managing director who is also a main shareholder (minimum 10% of shares)  holds a special position when it comes to retirement.

In response to the growing need, Optimum has designed its own product, offering an ideal mix of build-up under "own management", covering risks and survivors' and disability pensions for each specific situation.

For the purchase, construction, or refinancing of your house, Optimum now offers you a financing opportunity

at a fixed mortgage rate of 4.75%

Mortgage withdrawals start from ANG 200,000,=

and depending on your personal situation

100% of the purchase or construction amount is possible.

With maturities of up to 35 years and various mortgage forms, we deliver the customization you are used to

from us.

The insurance package is included so that there are no unexpected costs during the mortgage.

Collective employee pension agreements

→ Individual pension provisions

→ DGA own management structures

→ Optimization of incoming pension benefits

→ Personal pension overviews

→ Stamrechtrechtconstructies

→ Prepare pension letters

→ Drawing up pension regulations

→ Actual DGA own management calculations

→ Uniform pension overviews

→ Dispute assistance

→ Real estate financing

In the provision of a collective pension scheme for employees, there is a lot to look at: identifying the wishes and needs of the employer and the employee, negotiation of, among other things, the cost structure with the pension The pension regulations and overviews, collective and individual presentations and, also not insignificant, the aftercare.

Optimum pension management & estate planning is a professional organization active in the field of careful and responsible pension advice and estate planning.

As the state pension, the AOV, will come under increasing pressure in the future, the responsibility for sound financial care for yourself after retirement or disability and care for your surviving relatives in the event of death will increasingly become a personal matter.

Pension agreements are by definition long-term contracts with pension providers and offer a very wide range of options. In addition, due account must also be taken of fiscal and labor laws, other aspects of various laws, additional conditions and general conditions.

Our mission

Offering pension and actuarial advice for collective employee agreements, individual employee provisions and self-management arrangements for the director of major shareholders at the highest possible professional level.

Our vision

A socially widely supported and high pension density with room for interpretation of personal preferences.