Page ContentYou can accrue extra pension over your salary up to € 105.075 (amount 2018). Via your employer, you pay us an amount to accrue extra pension. You can do that either on a monthly basis or as a one-off payment. With that money you accrue pension capital. You won't know how much extra pension you'll get in advanceWe invest your pension capital. In this way, we try to ensure your capital grows. The value of this capital ultimately depends on how much you deposit, the costs we incur and our investment results. You should take account of the fact that the return could be negative. You will not, therefore, know in advance how much extra pension you will get. We use your capital to purchase extra pension for youDo you have an average salary scheme? If so, we convert your capital into a retirement pension and a partner’s pension when you retire. Do you have a defined contribution scheme? If so, starting ten years before your retirement, we convert part of your capital into a retirement pension and a partner’s pension each year. How much extra pension can be accrued? Pursuant to the law, you can accrue an amount of pension tax free each year. We refer to this as tax scope. If, in any one year, you do not use all of your tax scope, you can accrue extra pension. Do you have an average salary scheme? On mijnpgbpensioen.nl you can calculate how much extra pension you can accrue and what that will cost. Do you have a defined contribution scheme? If so, please contact us via 020 541 8180 or via email@example.com. We will calculate how much extra pension you can accrue and what this will cost.Your capital could be subject to the following risks- If you participate for less than five years, you face an investment risk. The value of your capital could grow more slowly or even reduce. We do our utmost to keep the risks as low as possible. If you participate for longer than five years, you will, at a minimum, get the money you have deposited back.- You face an interest rate risk. If the interest rate is low when you purchase a pension from your capital, you will receive less pension than you expected. If the interest rate is high, you will receive more pension than you expected. What happens to your capital if you die What actually happens to your capital, depends on your situation:- You have a partner We use your capital to purchase a pension for your partner. - You have no partner but you do have children If your children are younger than 18 or between 18 and 27 and still studying, we use your capital to purchse a pension for your children.- You have neither a partner or children Your capital lapses. No other family members or friends will receive a pension from us.Arranging the accrual of extra pension Do you have an average salary scheme? If so, you arrange the accrual of extra pension via mijnpgbpensioen.nl. Do you have a defined contribution scheme? If so, please contact us via 020 541 81 80 or via firstname.lastname@example.org. Terminating the accrual of extra pensionThe accrual of extra pension will terminate automatically if you leave your employer, retire or start receiving your state pension (AOW). You can also stop accruing extra pension yourself. You do so via your employer.