# Emissions from private pensions

**URL:** <https://community.carbonaltdelete.eu/t/emissions-from-private-pensions/475>\
**Category:** General\
**Tags:** question-and-answer\
**Created:** [17 March 2025 10:20 UTC](https://community.carbonaltdelete.eu/t/emissions-from-private-pensions/475 "2025-03-17T10:20:26Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![barwright](https://avatars.discourse-cdn.com/v4/letter/b/67e7ee/32.png) [@barwright](https://community.carbonaltdelete.eu/u/barwright)\
**Post date:** [17 March 2025 10:20 UTC](https://community.carbonaltdelete.eu/t/emissions-from-private-pensions/475/1 "2025-03-17T10:20:26Z")

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How do people account for private employment pensions? Do you exclude it or do you include it and if so what category do you include it in?

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**Author:** ![KennethVandenBergh](https://avatars.discourse-cdn.com/v4/letter/k/c0e974/32.png) [@KennethVandenBergh](https://community.carbonaltdelete.eu/u/KennethVandenBergh)\
**Post date:** [18 March 2025 19:22 UTC](https://community.carbonaltdelete.eu/t/emissions-from-private-pensions/475/2 "2025-03-18T19:22:07Z")

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We have included it in our own carbon footprint at Carbon+Alt+Delete, under activity 3.15 “investments”. Our bank publishes good data on the footprint of their investments, so we could use a supplier-specific emission factor for it.

Just one additional note: in Belgium we have “collective pension plans”, where the employer puts money directly in a pension plan as part of the salary. So that’s why we included it in the corporate carbon footprint of Carbon+Alt+Delete.

I’m not sure what you mean with private employment pensions. If that is different from what I describe above, their might be arguments to treat it differently.

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**Author:** ![simonpyne](https://avatars.discourse-cdn.com/v4/letter/s/e480ec/32.png) [@simonpyne](https://community.carbonaltdelete.eu/u/simonpyne)\
**Post date:** [21 March 2025 09:55 UTC](https://community.carbonaltdelete.eu/t/emissions-from-private-pensions/475/3 "2025-03-21T09:55:35Z")

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I include it as routine in 3.15 for my clients, based on employer contributions. however in terms of emissions factor I had to create a custom one based on spend-based factors elsewhere

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**Author:** ![barwright](https://avatars.discourse-cdn.com/v4/letter/b/67e7ee/32.png) [@barwright](https://community.carbonaltdelete.eu/u/barwright)\
**Post date:** [21 March 2025 10:06 UTC](https://community.carbonaltdelete.eu/t/emissions-from-private-pensions/475/4 "2025-03-21T10:06:05Z")

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Thanks all!

And that’s exactly right @KennethVandenBergh - when I talk about private pensions, I am referring to workplace pensions i.e. money that employers put into pension plans on behalf of their employees.