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The RESAVER Pension fund is a flexible solution for your organisation and your employee

The RESAVER pension fund is a defined contribution arrangement to ensure there are no cross-subsidies between member organisations



  • Pay contributions into the individual member’s accounts to help build up its value
  • Individuals can choose how to invest their accounts from the available investment options
  • Choose your organisation’s and your employee’s contribution levels. Variations may apply:
    • Based on local social, labour and tax laws
    • Based on local market practice
    • Based on the organisation’s competitiveness and benefits package


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  • The retirement income is based on the value of the individual’s account after retirement
  • Depending on the country, the benefits will be taken as cash lump sum or pension. These differences result from complying with the local laws/local practices. 


Investment Options

RESAVER offers you two main types of investment solutions. Other investment solutions can be established if local requirements apply

Life Style
Life Style

This default investment option adjusts the asset allocation automatically to become less risky as the retirement date approaches

Free Style
Free Style

Split the asset allocation amongst one or more funds from the range available

  • Standard – with medium risk
  • Standard with low risks
  • Advanced based in objectives

Member service centre (MY RESAVER)

My RESAVER is your administration space where you can get support and verify the information about the account. 

In MY RESAVER you can:

  • Handle multiple currencies, funds and investment profiles
  • Manage investments
  • Create and keep statistical reports of underlying assets
  • Mantain Bookkeeping
  • Report to country-specific regulators

Check this video for more information or access MY RESAVER now



Learn about RESAVER providers:

  • One of the largest auditing, accountancy and consultancy companies in the world, specialising in financial reporting, tax and legal services, corporate finance, management advisory services, and interim management.
  • Organised as a global network of independent firms, BDO is present in over 154 countries with more than 1,400 offices around the world. More than 65,000 employees maintain the highest level of expertise to meet the needs of their clients.

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  • A global leader in investment, risk management and advisory services for institutional and retail clients. In June 2019, BlackRock’s AUM was $7.4 trillion. 
  • BlackRock helps clients around the world to meet their goals and overcome challenges with a range of products that include separate accounts, mutual funds, iShares® (exchange-traded funds), and other pooled investment vehicles.
  • BlackRock also offers risk management, advisory and enterprise investment systems services to institutional investors through BlackRock Solutions®. In 2018, the firm had approximately 15,000 employees in more than 30 countries and a major presence in global markets, including North and South America, Europe, Asia, Australia and the Middle East and Africa.

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  • Deloitte Belgium is a member of the international network of Deloitte Touche Tohmatsu Limited. Deloitte is the world’s leading professional services firm, delivering first-class audit and financial advisory, tax, legal, and consulting services. The firm serves more than 80% of the world’s largest companies, as well as national enterprises, SMEs, public institutions, and successful fast-growing companies.
  • Deloitte employs more than 225,000 people and is present in more than 150 countries. In Belgium, more than 3,200 employees live the Deloitte vision to be the standard of excellence. They help their clients to embed innovation.

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  • Lydian is a full-service, independent Belgian business law firm. Its approach is about being committed, available, responsive and proactive. The firm provides the highest quality services to international standard, and practices law with the sophistication of a large firm, but with the close client-lawyer contact more typical of a smaller firm.
  • Clients include a large number of high-profile listed and non-listed Belgian and non-Belgian organisations. Lydian employs approximately 80 lawyers in Antwerp, Brussels and Hasselt.

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  • Mercer is a global consulting leader in talent, health, retirement and investments. Mercer helps clients around the world advance the health, wealth and careers of their most vital asset – their people. Its more than 20,000 employees are based in 43 countries and the firm operates in over 140 countries.  Mercer is a wholly owned subsidiary of Marsh & McLennan Companies, a global professional services firm offering clients advice and solutions in the areas of risk, strategy and people.
  • Mercer helps clients create sustainable retirement programs that engage their workforce and protect their business financial health. Both in Belgium and internationally, Mercer is a leader acknowledged for its technical expertise in this field.
  • Awards: 
    • European Pensions Awards
      • Risk Management Firm of the Year, 2016
      • European Pensions Innovation Award, 2016
      • Master Trust Offering of the Year, 2016
    • Global Finance Magazine Awards
      • Best Pension Plan Administration Provider, 2016

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  • Previnet is an experienced and reliable service provider for pension funds and insurance companies across Europe. With over 25 years of experience, Previnet has developed its core business in delivering administration services and IT solutions to local and international organisations.
  • Previnet is the appointed Member Service Centre (MSC) of RESAVER.
  • As a fully independent outsourcing provider, Previnet manages 220 pension arrangements, 65 insurance companies and over 40 financial entities. More than three million individual accounts are managed.
  • Previnet already has significant experience in establishing multi-country pension scheme administration services, for example the NATO DCPS plan which has 4,700 members across 80 employers based in Europe, Scandinavia, the US and Canada.
  • Awards:
    • European Pensions Awards
      • Pension Scheme Administrator of the Year, 2020
      • Pension Scheme Administrator of the Year, 2019
      • Pension Scheme Administrator of the Year, 2016
      • Pension Scheme Administrator of the Year, 2011
      • Pension Scheme Administrator of the Year, 2008
      • Pension Technology Provider of the Year awards
        Shortlisted from 2008 to 2020
      • Pension Scheme Administrator of the Year awards
        Shortlisted from 2008 to 2020
    • Pensioni & Welfare Italia magazine
      Administrator of the Year and IT Firm of the year, 2015 and 2016
    • Italy Protection Forum
      Welfare & Healthcare Provider, 2015 and 2016

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  • A global reinsurance group operating in over 120 countries. The Group’s strategy is based on a development model driven by three entities:
  • The Life Division of the SCOR Group, SCOR Global Life, ranks among the top four life reinsurers in the world. Its expert teams have been providing worldwide clients with superior reinsurance products and services for over 40 years and its strategy is based on the development of long-term relationships with its clients throughout the world.
  • SCOR is currently the Belgian leader in the reinsurance of pension plans including multi-employer funds and pan-European funds.

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