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Pension remains, the rules change

New rules have been drawn up for pensions in the Netherlands. But not everything changes. The strong points remain. But some things are changing. Find out here what stays the same and what changes. 

This stays the same

  • You’ll continue to accrue pension through your employer, as you do now. 
  • You and your employer both contribute towards your pension. We invest this money.
  • You will receive your pension for as long as you live, no matter how old you get.
  • You can still make choices for your pension. For example, retiring earlier. 
  • We still offer a survivor’s pension. That's the pension your partner and children, if any, will receive when you die. Already receiving a pension? In that case, the choices you made about the partner's pension when you retired will continue to apply.  
  • The AOW (state pension) via the government remains.    

This will change 

The new rules also cause a number of things to change. For example, everyone will soon have a contribution scheme with their own pension pot. Your pension will also adapt to the economy. The rules for the survivor’s pension are also being simplified.  

A contribution scheme for everyone 

From 2027, everyone will build up a pension with us through a contribution scheme. In the case of a contribution scheme, you invest money in your pension together with your employer. Together with the results of the investments, this goes into your pension pot. When you retire, we convert this into an amount for your pension.

In the new pension scheme there are 2 types of contribution schemes:

  • a solidary contribution scheme
  • a flexible contribution scheme.

Most social partners and employers opted for the solidary contribution scheme.  
Watch a short video to see how the solidary contribution scheme works.  

In the new pension, your pension will adapt to the economy. This means we can increase pensions more quickly when the economy is doing well but also decrease them faster when things aren't going so well economically. Your pension will fluctuate. To ensure that these fluctuations do not become too great, the solidary contribution scheme has a reserve fund. We use the money in this reserve fund to absorb any decreases as much as possible. 

Rules for partner's pension will soon be the same for everyone

Partner's pension is the pension for your potential partner when you die. The rules for this pension will soon be the same for everyone in the Netherlands. This makes it clearer what you as a survivor can count on.

The amount of the partner's pension will be a percentage of your salary at the time of your death. It no longer matters how long you have worked for your employer. And you are insured for a partner's pension as long as you build up a pension with us.

  • Leaving the company? Then you will no longer have a partner's pension with us.
  • If you've already accrued a partner’s pension with us under the current scheme, it will remain in force. Your partner will receive this after your death, in addition to the new partner's pension. 
  • Already retired? In that case, the agreements you made about the partner's pension when you retired will continue to apply. 
  • Receiving a partner's pension? You will still receive this under the new system as long as you live.  

Watch a short video about the partner's pension from 2027.  

So how will the new rules affect my pension?

What exactly changes for your pension depends on the pension scheme you’re currently in and the agreements that your employer or industry will enter into for your pension. So we don’t know yet how exactly your pension will be affected.

Find out what we can tell you about your new pension now