At maturity on 1 Feb 2025

This is where you will see the amount that you will be entitled to collect if you are still alive on the expected retirement date. In most cases, the retirement age has been set at 65.

Vested benefits:
This is the gross amount claimable on the expected retirement date if you are no longer working as of the status date (see date on benefits statement). This also assumes that you have kept your reserves invested in your AG Insurance plan. Any change in your circumstances after the status date (such as part-time employment) will impact the value of your accrued benefits.

Total benefits (including accrued benefits)
If you are still employed with the same company by the time you retire, you will be entitled to collect the estimated benefits as well as the benefits that have accrued through profit sharing.

In other words, the value may vary if there has been a change in the variables used to make the calculations (e.g. your salary or working time percentage). As a general rule, your benefits should increase every year to keep up with salary increases (due to indexation, pay raises, etc.). However, your benefits could also decrease, for example, if you reduce your working time percentage or leave the company.