APG All Pensions Group NV Profile
APG Algemene Pensioen Groep NV is a financial firm that offers investment advisory services. The company currently operates as a subsidiary of APG Investments Inc. APG Algemene Pensioen Groep manages around 4.5 million Dutch clients and places its operations on three major pillars. The first pillar places an emphasis in “a strong Dutch pension system based on collectivism and solidarity” with the basic state system funded through an income financing system that determines total cash needs and maintains fair distribution amongst all contributing members. The second pillar regards pension schemes, specifically the act in keep participation mandatory for everyone who works. The company believes that a “future-ready pension system must be based on a socially and economically strong second pillar” with solidarity created through collective pension schemes. The third pillar regards supplementary insurance policies, which are placed into effect when changes such as part time retirement, disability, or death occurs and create situations outside the normal expectations of a pension system. With increasing demand for more variegated pension options, the company believes that it is necessary to develop such individual pension products, supplement collectives, and semi collective schemes. APG currently has subsidiaries acting in New York and Hong Kong in order to provide foreign expertise and local networks. In their New York division, the financial specialists mainly focus on fixed income securities, property, hedge funds, private equity and infrastructure. In Hong Kong, the main focus is on investments in property, infrastructure, and shares in the economic development of emerging markets in the Far East. APG Group has three brands acting under its name: APG, Loyalis, and Inadmin. APG is the main focus and carries out executive consultancy, asset management, pension administration and pension fund communications for collective pensions. Loyalis specializes in “supplementary collective, semi-collective and individual income arrangements for employers and employees in the government, education and energy sector and for utility construction companies.” Inadmin oversees administration of contribution schemes for pension institutions, pension funds, asset managers, and insurance companies.