Answers to frequently asked questions

The aim is to preserve your pension as much as possible. The implementatieplan sets out how we will ensure a fair transition to the new scheme. If it turns out that some groups would be worse off, agreements have been made to compensate them. The pension fund is doing everything it can to continue to offer you a good pension.

‘Flexible’ means you have more freedom of choice. You accrue pension in a personal pension pot. You can see how much has been accrued for you and you can choose how your pension is invested. Just before you retire, you decide how you want your money to be paid out. This allows you to tailor your pension to your personal situation.

When you retire, you will receive a monthly pension for as long as you live. This pension will be adjusted annually, sometimes upwards and sometimes downwards. This depends on the economy and investment returns. On your retirement date, you can opt for a fixed benefit (through an insurer) or a variable benefit (through the pension fund), depending on what suits you best. The pension fund will assist you in making that choice.

The old rules no longer fit in well with how we work and live today. People change jobs more often, work part-time or start working later in life. We are also living longer on average. The new scheme gives you more insight into your own pension pot and more freedom of choice. This makes pensions more suited to the times we live in.

When you retire, you will receive a monthly payment for as long as you live. You will soon be able to see how much you have accumulated and what pension you can expect to receive. Just before you retire, you will have to make some choices: do you want a fixed payment (via an insurer) or would you prefer a variable payment (via the pension fund)? You can also choose, for example, to receive a higher pension in the first few years and then less afterwards. The pension fund will guide you in making these choices so that they suit your situation.

Yes, you can. You decide when you want your pension to start. So you can stop working earlier if you have built up enough pension in your personal pension pot. Please note, however, that if you retire earlier, you will receive a lower monthly payment because your pension will be spread over a longer period.

The new scheme also includes a survivor’s pension. If you die, your partner will receive a monthly benefit. The exact details depend on the terms of your pension scheme. We will explain this clearly later on. You do not need to do anything yourself.

You will receive a personal overview from us in good time. This will explain what the new scheme means for your pension. We will also keep you informed via newsletters, webinars and our website. That way, you will always know where you stand.

No, you don’t need to do anything at this point. The pension fund will take care of the transfer and keep you informed. Want to make sure you don’t miss anything? Sign up for the newsletter or follow a webinar.