Answers to frequently asked questions

The planner will become available during 2027. All the amounts have to be finalised first, and that can only happen once all the checks, including those by the auditor, have been completed.

Preparations are in full swing and we expect to be able to make the move to the new scheme on 1 January 2027. This is subject to approval by the regulators and the fund’s own bodies.

You won’t notice anything on 1 January, even though this is expected to be the formal transition date. From that moment we start on the calculations needed to convert the pensions built up into the new scheme and to divide the buffer. For active and former participants, the pension built up is converted into personal pension capital. Contributions simply continue as usual. Pensioners will continue to receive their pension. We expect pension payments to be adjusted to the new amounts from April.

At the transition, the fund’s assets will be divided according to statutory rules. First, the personal pension pots are filled on the basis of existing obligations and the required reserves are formed. Compensation is then awarded to certain groups of participants. The remaining assets are divided using a method prescribed by law, which looks at a fair division across all groups of participants.

Originally, a maximum funding ratio of 160% was agreed with the social partners for the move to the new system. That maximum has since been adjusted to 170%. As long as the funding ratio is below 170%, we can make the move without further consultation with the social partners.

No, there will be no separate indexation on 1 January 2027. The pensions built up and the pensions in payment will be increased, however, because the buffer is being divided among all participants.

Under the new scheme there will still be a single contribution rate for participants. This rate is in line with the existing agreements with the employer. What does change is the way that contribution leads to pension build-up: the contribution is added directly to your personal pension pot. For the UOP scheme (for employees with a salary above € 89,233) the contribution does change. This becomes an equal rate of 15% for everyone..

The fund compares how much pension someone would be expected to build up under the current scheme with how much they are expected to build up under the new one. The difference forms the basis for the compensation. The amount depends on age, salary, part-time percentage and the fund’s financial position.nd.

No. You can retire as normal. It is sensible, though, to get a clear picture beforehand of what it means for your pension. The level of your pension depends partly on your personal situation and the choices you make. You will receive a first indication of the pension you can expect under the old and the new scheme by 30 November at the latest.

No. A divorce does not change the way the move to the new pension scheme takes place. Pension rights allocated to a former partner are also transferred under the same rules.

No. Partners do not automatically get their own pension pot. A partner’s pension does continue to exist. How that works depends on your situation (active participant, former participant or pensioner).

In principle, the move to the new scheme applies to any pension registered with Pensioenfonds Robeco.

That depends on your relationship with Pensioenfonds Robeco. If you worked at Robeco in the past and did not transfer the value of your pension elsewhere, you may still have pension rights with the fund from the time you were an employee. These are converted in the same way as the rights built up by current employees.

The pension fund is working on digital tools that will let participants see the effect of different choices, similar to the current planner. The personal pension pots will only become visible in My Pension and in the planner once all the checks have been completed. We expect this to be a few months after the transition.

Participants who have not yet retired will choose their own risk profile: defensive, neutral, aggressive, or aimed at buying a fixed pension. The pension capital is invested on that basis. Investment risk is scaled back as you get older. The risk profile you choose determines how quickly this happens and to what extent. From the moment existing pensions are transferred, all participants follow the neutral lifecycle. Once all the checks have been completed, which we expect to be during 2027, you will be able to make your own choice.

The pension fund continues to invest on behalf of participants. If you have not yet retired, you can choose a risk profile. If you don’t make a choice, you stay in the neutral risk profile. For pensioners, we continue to invest collectively.

For participants in the build-up phase, investment is done through lifecycles. For pensioners, investment is collective. Both take risk and return into account.

At the moment, the expectation is that the option to take part of your pension as a one-off payment will not come into force nationally before 1 January 2029. We will let you know as soon as more is known about this.

It has not been possible to take early retirement for some time now. You can still decide to start drawing your pension from the age of 62, though. Existing early retirement arrangements will continue, including after the move to the new system.

No. Many people have built up a pension with several employers and therefore have pension rights with several pension providers.

That depends on your personal situation. Transferring the value of a pension can have advantages, but it isn’t always the best option. For more information about your own situation, please get in touch with us.

That depends on your total pension build-up, any other pension rights and your plans for the future.

Yes. Through the third pillar you can build up a supplementary pension yourself, for example by saving, investing or taking out an annuity.

Through the voluntary additional savings scheme (the UOP scheme) you can build up extra pension, subject to certain conditions. This scheme is intended for employees with a salary of more than € 89,233. Each year you can choose again whether to take part. If you don’t make a choice, you don’t take part.