In addition to the main platform, our team works on a number of publicly available tools. For some of these tools, we also make the source code available on GitHub.
This is an interactive, browser-based visual that shows, in motion, how a single period’s collective investment result becomes each age cohort’s credited return under the Dutch solidaire premieregeling (SPR).
Move the sliders and watch one collective result decompose into a protection return, an excess return, and a solidarity reserve, then get allocated to five-year age cohorts. It is illustrative by design: no real portfolio or participant data ever enters it.
Illustrative model for explanation only. Not a calculation of any specific fund, and not advice.
Link to tool: https://spr-cohort-explainer.wtpdatalab.com/
An explanation of the tool: https://wtpdatalab.com/one-return-many-savers-how-a-pension-funds-single-result-becomes-each-generations-credited-return/