APG

APG's head office is located in Heerlen. In addition, we have offices in Amsterdam, New York and Hong Kong. APG manages pension assets of in total approximately 273 billion euros (1st quarter 2011), and carries out the pension administration and pension communication for both employees and employers. APG is part of the APG Group.Combining forces in APG GroupAPG, Cordares and Loyalis have combined their forces in APG Group. APG administrates pension schemes for employees who work in the government and education sectors. Cordares administrates pensions for the construction, housing corporation and cleaning sectors. Loyalis provides individual supplements to group pension schemes. APG Group administrates over 30% of all group pension schemes in the Netherlands. This means that APG Group works for 4.5 million people every day.Unique pension systemAPG Group strongly advocates maintaining the Dutch pension system. But it also advocates the innovation of this system, so that it remains attractive for future generations. The Dutch pension system is unique in the world as it is based on collectivity and solidarity. By making comprehensive, collective agreements, millions of Dutch employees have more financial security. The solidarity provides stability and spreads costs and risks. The pension system thus also provides financial security for future generations.