Keuzebegeleiding door pensioenuitvoerders kan beter

While providers appear motivated to improve guidance, the findings point to gaps in journey design, disclosure and decision support. For compliance teams, this is a reminder that choice guidance is a conduct issue, not just a communications task. Firms should map participant decision points, test whether all options are visible and understandable, and evidence how trade-offs and long-term effects are explained.

Supervisory follow-up is likely, so providers should retain records of guidance materials, complaints and outcomes. Actionable steps include reviewing retirement and decumulation choice journeys, simplifying language, checking consistency across channels, and embedding fair treatment and vulnerability considerations. There is no explicit deadline, but early gap assessment is prudent.

The opportunity is to strengthen engagement and trust by helping participants make informed choices.