Prestatie Pensioen. Lifecycle onder de loep (Data as per December 31, 2015) January Return (%) (Net)* 1 month 3 months 3 years**

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1 Prestatie Pensioen Lifecycle onder de loep (Data as per December 31, 2015) The Prestatie Pensioen takes advantage of LifeCycle Investing by NN Investment Partners (NN IP). With LifeCycle Investing, the experts at NN IP have developed a solution to achieve an optimal risk-return ratio. At a young age, one can afford to take a relatively high risk. If the value development Anisa Salomons of investments is negative, e.g. due to a drop in equity prices, there is still plenty of time to make up for the losses. As retirement approaches, however, there is increasingly less time to offset shocks in the financial markets. At that point, there will be more focus on safer pension investments and risks will be hedged. LifeCycle Investing is therefore composed of two parts: Pension returns: by means of five equity funds and one mediumterm fixed income fund, thus investing in a broadly diversified basket of actively managed funds, with the aim of achieving attractive returns. Pension matching: using two long-term fixed income funds with a duration profile, for the purpose of limiting interest rate risks. (%) (Net)* s s** 35 years years years years * All figures are based on a pensionable age of 67 years and a defensive risk profile as calculated on the basis of the current weights in the LifeCycle model ( ). Source: NN IP Performance Measurement Europe The LifeCycle is unique thanks to the dynamic nature. This has a good reason: our world is changing faster than ever. All around the world there are economic trends with impact and in the Netherlands, for example, laws and regulations regarding pensions are changing. Such changes may affect the course of the LifeCycle and therefore the expected pension at retirement. And so we find it a matter of course to evaluate and, if necessary, adjust the LifeCycle twice a year. LifeCycle Investing has three different risk profiles: defensive, neutral and offensive. Based on these profiles, we consecutively invest more and more in the return part. Accordingly, the defensive profile has the lowest downside risk, compared to the neutral and offensive profiles.

2 Prestatie Pensioen (Defensive risk profile) Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL

3 Prestatie Pensioen (Neutral risk profile) Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL

4 Prestatie Pensioen (Offensive risk profile) Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL Net % NN Global Fund NN Hoog Dividend Aandelen Fonds NN Global Opportunities Fund NN Global Real Estate Fund NN Global Emerging Markets Fund NN First Class Obligatie Fonds NN (L) Euro Long Duration NN (L) Global Inflation Linked TOTAL

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