This document provides an overview of the agenda and presentations for the "Rethink Retirement" track of the Odyssey Hackathon on February 5 in Amsterdam. The program includes presentations on challenges in the pension industry, APG's innovation approach and track record with hackathons, and explanations of the two challenges around managing one's own financial roadmap to achieve FIRE and providing value from pensions before retirement. There is also a discussion on radical redesign of retirement and how new technologies could change systems to care for people's needs in the future. The document aims to help participants understand what to expect from participating in the hackathon.

1. Track Deep Dive
Rethink RetirementFebruary 5
De Nieuwe Liefde
Amsterdam

2. Moderator
DANTE VAN GRAFHORST

3. 9.30 The Odyssey Hackathon – What can you achieve by
participating? (Rutger van Zuidam – CEO of DutchChain &
Odyssey
9.45 Welcome and Strategy vision of APG (Francine van
Dierendonck – Executive Member at APG)
10.00 Presenting APG’s track record and approach to the
Hackathon – What can you expect of us? (Joep Beukers,
Director Innovation at APG)
10.15 Challenge 1 – Explained: FIRE – Manage your own
financial roadmap (Dominique Busch, Group IT Officer)
Program Overview

4. 10.30 Coffee break
10:45 Challenge 2 – Explained: Value before retirement (Dean
Masley, Owner at Nestegg)
11:00 Last years winner shares his Experience (Tim van
Iersel, RetireMe)
11.15 Radical redesign: what if we could build the world a
new with the tech of tomorrow? How would it take care of
you? (Jan-Peter Doomernik, Enexis, Nature 2.0)
11.30 Q&A with Panel: Joep Beukers, Hidde Terpoorten
(Blockchain lead), Rob Schormans, Director Marketing
Operations (Audience can ask questions to the panel of
decision-makers and experts)

5. Rutger Van Zuidam
CEO of DutchChain & Odyssey
THE ODYSSEY HACKATHON
What can you achieve by
participating?

10. We believe….
technology like blockchain, crypto currencies, AI, IOT,
open digital public infrastructure and the digital commons can
unlock completely new ways of interconnected mass
collaboration
to establish the breakthrough progress we need in all fields of
our society and all sectors of our economy.

12. Ecosystem transformation

14. Odyssey Hackathon
11-15 April 2019
Thursday April 11:
Arrive and register in Groningen
Masterclasses
Opening party in DOT

15. Odyssey Hackathon
11-15 April 2019
Friday April 12:
Grand opening
Validate & pivot
Saturday April 13:
Go go go!
Sunday April 14:
Jury assessment

16. @ 2018 - Presentation
Monday April 15:
Acceleration Conference
Odyssey Hackathon
11-15 April 2019

17. @ 2018 - Presentation
Team selection
Ultimate deadline to register
February 25

21. Francine van Dierendonck
APG
The Strategy Vision of APG

23. Joep Beukers
APG
Presenting APG’s Track Record and
Approach to the Hackathon
What can you expect of us?

24. APG - GroeiFabriek
24
Innovation Lab

25. 25
Challenges in the pension industry
New
Pension
Contract
Control
Cost &
Investments
Legacy
systems
Owner-shipFlexible careers
and personal
agency
Longevity
Individuals vs
communities
Pension challenges
PUO challenges
Culture

26. 26
Innovation challenges
Can we lower costs for
the participant
Can we provide new
relevant and personal
services
Can we create a more agile
and flexible business(culture)
to withstand external
pressures.
Can we leverage new
technologies
like blockchain and AI

27. 27
APG - GroeiFabriek
Innovation Organisation
The Lab The Ecosystem
Experiments Partnerships

28. 28
Incremental
improvement
Implementation
in the existing
business
How we experiment
Horizon III
Observe
Horizon II
Horizon I
Idea
generation
Incremental
improvement
Explore
(Discovery)
Experiment
(Concepting &
prototyping)
Execute
(Delivery)
Business implementation
After every stage its possible to stop the
experiment and gather the lessons learned
Create your own
start-up
Scale-out
Implementation in
the existing
business
Scale-in

29. 29APG Hackathon Track Record
Rethink Retirement is APG’s thirds Hackathon Track
APG accelerated the winning teams through their innovation program
APG can be an investor, launching customer, expert or partner
At the Oddyssey hackathon APG will have datasets, experts and all the help you need to Rethink Retirement
APG participates with its own team in the Hackathon, validating the optimal experience for you!
Hackathon Winners:

30. 30
Have fun! Explain business value of prototype
Hackathon advise
Show how you want to move foward

32. Dominique Busch
Group IT Officer
Challenge 1 – Explained
FIRE – Manage your own
financial roadmap

33. FI - RE
Most of the time financial independence is explained as no longer having to work for money,
by having realized alternative sources of income e.g. savings, investments, pension, business.
FIRE also is an organic movement of individuals sharing the same goal.
Rethink Retirement

34. @ 2018 - Presentation
Rethink Retirement
The FIRE movement is about more than just retiring early,
it’s about achieving your goals!
Travel Goals
Alternative career paths
Work-life balance

35. @ 2018 - Presentation
How can APG make FIRE effortless and user friendly for
their customers?
FIRE: Financial Independence & Retiring Early
o Create and manage personal financial roadmap
o Organize and optimize personal cash flows
o Simplify savings & investment management
o Analyse current and forecast future needs
o Help adapt and react to changing situation
Rethink Retirement

36. @ 2018 - Presentation
How can APG make FIRE effortless and user friendly for their
customers?
Create and manage personal financial roadmap
- Empower people to excel at doing their own financial
planning
- Track personal progress
- Automated roadmap suggestions
Rethink Retirement

37. @ 2018 - Presentation
How can APG make FIRE effortless and user friendly for their
customers?
Organize and optimize personal cash flows
- Give insight into personal cash flow
- Automated cash flow optimization advice
- Guide people to attain cash flow that fits their roadmap
Rethink Retirement

38. @ 2018 - Presentation
How can APG make FIRE effortless and user friendly for their
customers?
Simplify savings & investment management
- Simplify saving & investing
- Tailor strategy to personal roadmap
- Low costs
Rethink Retirement

39. @ 2018 - Presentation
How can APG make FIRE effortless and user friendly for their
customers?
Analyse current and forecast future needs
- Data analytics for personal scenario planning
- Test if financial roadmap is robust enough to handle future
change
- Compute cost saving strategies based on needs and
cashflow
Rethink Retirement

40. @ 2018 - Presentation
How can APG make FIRE effortless and user friendly for their
customers?
Help adapt and react to changing situation
- Intelligently suggest adaptations of roadmap and cash flow
- Guide user through troublesome times
- Trusted advisor
Rethink Retirement

41. @ 2018 - Presentation
Hackathon Community Chat
https://odysseyprogram.mobilize.io
FIRE Challenge contact:
dominique.busch@apg.nl
Available for?
- General questions
- Requests for apg data & information
- To speed up idea validation
Rethink Retirement

43. COFFEE BREAK

44. Track Deep Dive
Rethink RetirementFebruary 5
De Nieuwe Liefde
Amsterdam

45. Dean Masley
Owner at Nestegg
Challenge 2 – Explained
Value before retirement

46. GroeiFabriek.com/hackathon
Make it
Tangible
Rethink value before
Retirement

47. GroeiFabriek.com/hackathon
Why you’re here
47
To prepare yourself with the tips and
tricks needed to win the “Rethink
Retirement” track at the Odyssey
hackathon this April 12-14.

48. GroeiFabriek.com/hackathon
Gen “Now”
48
Pensions aren’t sexy. The ultimate example of
delayed gratification.
Kryptonite for a generation used to 24/7
instant feedback loops to their actions.
What if pensions and retirement matched the
rest of the world?

49. GroeiFabriek.com/hackathon
Value B4
49
Currently pensions don’t provide value
before retirement.
Yet they aren’t passive, the investments
fund new initiatives and developments.
Are there non- & monetary valuestreams
that could be provided before retirement?

50. GroeiFabriek.com/hackathon
New Expectations
Transparency
Millennials aren’t satisfied
with vague annual reports
on their investments. It’s
their money, they want to
see how it’s being used
and the impact in real-
time
Agency
A 20-year old can rent
houses and order cars at
the click of a button. They
want the option to have
influence how their money
is being used, even if they
end up trusting someone
else.
Tangible
Large investments from
pension funds are
creating the world around
us. Why shouldn’t the
funders get privileges?
There’s more to offer than
money.
50

51. GroeiFabriek.com/hackathon
New Possibilities
New technology allows us to redefine
the possibilities of retirement:
● Shareholder Voting & Proxy
● Loyalty/Privileges
● Real-time transparency & payouts
● Upfront Compliance
● Modularity and seamless
Connectivity with other apps

52. GroeiFabriek.com/hackathon
Shareholder
Voting
Pension companies influence
how companies are run, such
as encouraging sustainability
over short-term profit. What
information and tools would
pensioners need to vote
themselves versus proxy?
52

53. GroeiFabriek.com/hackathon
Tollroads + IoT +
Blockchain
Roads facilitate increased economic
opportunity by connecting economic
centers. You could incentivize
interest in road investments by
giving shareholders free passage
through tolls, as a perk.
53

54. GroeiFabriek.com/hackathon
DAO & Co-Ops
Pension companies are an
institution to organize the long-
term investments of a large
group of people. Is this
administration possible to be
done by AI managing
blockchain portfolios to cut out
the middleman?
54

55. GroeiFabriek.com/hackathon
API Pensions
What if your local cafe could
provide you discounts if you
have investments in green
energy? How could pension
information be used securely
and privately by local
businesses and startups to
create new solutions?
55

56. GroeiFabriek.com/hackathon
What to expect?
Help from Jedis
Our team of pension experts and
last year’s winners are available to
answer your questions and help give
you the insight from inside the
industry while you attack your
problem.
Datasets
Our team will provide anonymized
datasets for you to analyze trends and
crunch the data to fine-tune your
solution and provide estimates for
scalability.
56

57. GroeiFabriek.com/hackathon
Previous Winners
(2018) RetireMe.nl
Facilitating micro-payments to
contribute to your pension from a
variety of daily transactions to
increase saving touch-points.
Example: Immediately contribute to
your pension by depositing
recycled bottles at your local
grocery store.
(2017) NestEgg.eu
Crowdfund sustainable
infrastructure to reduce your cost
of living while improving your
community.
Example: crowdfund a solar panel
and receive a portion of the kWh it
creates off your energy bill.
57

58. GroeiFabriek.com/hackathon
Thank You!
Any questions?
You can find us at:
● @GroeiFabriekAPG
Signup for the Hackathon!
GroeiFabriek.com/hackathon
58

60. Tim van Iersel
RetireMe
The Hackathon Experience
Last Year Winner

61. RetireMe

62. A year ago...

63. Blockchaingers Hackathon 2018
Future Of Pensions Track

64. At the hackathon...

65. RetireMe Hackathon
team
- 2 ‘Full stack’ developers
- 1 Storyteller / Designer
- 3.5 Business developers

66. Our advice:
- Ask your Jedi’s a lot of questions
- Attend track deep dives
- Talk to other teams
- Don’t be afraid to share your ideas.
- Don’t dive in your computer right at the start of
the hackathon
TALK TO PEOPLE!

67. After winning the hackathon

68. & winners ICTalent Awards

69. What is ‘RetireMe’
https://www.youtube.com/watch?v=ur7HDPGZaZw

70. What is ‘RetireMe’
https://www.youtube.com/watch?v=ur7HDPGZaZw

71. 71
Handover
Explore
Gevalideerd idee
Experiment Prepare Pilot Pilot Scale-in / out Roll-out / start-upLead
flow
1 - 3 wkn
3 - 7 mndTime to Innovate
Time to Market 5 - 11 mnd
4 - 12 wkn
Stage Gate Stage Gate Stage Gate
2 - 4 wkn 4 - 6 wkn6 - 12 wkn 4 - 12 wkn
Prototype MVP Gevalideerd MVP MVP +1
Groeifabriek’s innovation process
Idea
generation

72. How does it work

73. RetireMe

74. The ecosystem

75. RetireMe

77. Jan-Peter Doomernik
Nature 2.0
Radical Redesign
What if we could build the
world a new with the tech of
tomorrow? How would it take
care of you?

78. Radical redesign: What if we could
build the world a new with the tech of
tomorrow?
How would it take care of
you in 2059?

79. RADICAL REDESIGN 2059?
“You never change things by fighting the existing reality.
To change something, build a new model that makes
the existing model obsolete.”
― Buckminster Fuller
What could be
the crazy
question?

80. Is it feasible to invest in the Future?
Challenge 1: Economy of Growth
Challenge 2: Invest in Critical infrastructure
Challenge 3:Invest in Longlivity
Story of stuff

81. First idea’s for radical redesign:
● Challenge 1:
non economical system: How does a bird build his house?
● Challenge 2:
Beyond long term depreciation: Emergent cities
● Challenge 3
For the future: evolutionary systems
For example:
Don’t pay for
Housing in 2059

82. Build a digital ecosystem
Solve problems that interest:
- All Cities
- All critical infrastructure parties
- All pensionfunds
What would be the role of new technologies
in new ecosystems
-DAO, AI-DAO, User curated lists, Public
utillity networks, stake machine ….

84. Q&A with Panel
Joep Beukers, Hidde Terpoorten (Blockchain lead), Rob Schormans (Director Marketing Operations)
Ask questions to the panel of decision-makers and experts

85. End of plenary program - Time to Connect
REGISTER TODAY AT THE ODYSSEY STAND!