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Extra retirement pension

You can accrue extra pension over your salary up to
€ 112.189 (amount 2021).

Via your employer, you pay an amount in order to accrue extra pension. You could do this each month or as a one-off payment. That money is used to accrue pension capital in the scheme ‘PGB Retirement Pension Plus (PGB Ouderdomspensioen Plus). 




You will not know in advance how much extra pension you will receive
We invest your pension capital. In this way, we try to ensure that your capital grows. The amount of capital you eventually accrue depends on the contributions you deposit, our costs and our investment results. You should always take account of the fact that the return could be negative. Consequently, you will not know in advance how much extra pension you will receive. 

Using your capital, we buy extra pension for you
Ten years before you retire, we will annually convert part of your capital into a retirement pension. 

How much extra pension can you accrue? 
Each year, you are legally allowed to accrue a certain amount of pension tax free. We refer to this as your tax scope. If, in any year, you do not use all your tax scope, you may accrue extra pension yourself. In Pension 1-2-3, you can read how you accrue extra pension capital with us. Please read this information carefully before you decide to deposit any extra amounts.

You can make regular monthly deposits
It is possible to deposit an extra amount each month. You pay the contribution from your gross salary, and pay this extra contribution via your employer.

Are you a participant in an average salary scheme? If so, you can calculate on mijnpgbpensioen.nl how much extra pension you can accrue and what that would cost. Are you a participant in a defined contribution scheme?  Then please contact us on +31 (0) 20 541 8200 or send an email to ks@pensioenfondspgb.nl. We will then work out how much extra you can accrue and what that will cost.

The risks you run with your capital
We invest your pension capital. This means that the value of your capital moves in line with our investment results. You also run an interest rate risk. If the interest rate is low when we use your capital to purchase your pension, then you will receive less pension than you may have expected. If the interest rate is high, you will receive a higher pension than you may have expected. Every year, we purchase pension from your capital in stages. We do this from your 58th birthday onwards. In this way, we spread both the investment risk and the risk of a low interest rate. 

If you were to die, the following would happen to your capital 
What happens to your capital depends on your situation:
- You have a partner
  Then, we use your capital to purchase a pension for your partner. 
- You have no partner but do have children
  If your children are younger than 18 or between 18 and 27 and still studying. Then, we use your capital to'
   purchase a pension for your children.
- You have no partner and no children
  Then, your pension will automatically lapse. Other family members and/or friends will not receive any pension
  from us.

Was your employer affiliated to us before 1 January 2020?
Then you can also opt to accrue extra retirement pension in the scheme PGB Pension Plus. There are three differences between the scheme PGB Pension Plus and the PGB Retirement Pension Plus. Here you can read more about the differences and what this means for you.

You arrange the accrual of extra pension 
Are you a participant in an average salary scheme? If so, you arrange the accrual of extra pension via mijnpgbpensioen.nl. Are you a participant in a defined contribution scheme? If so, please contact us via +31 (0) 20 541 82 00 or send an email to ks@pensioenfondspgb.nl.  

You may stop the accrual of extra pension
You will automatically stop accruing extra pension when you leave your current employer, retire or start receiving a state pension (AOW). You may also simply decide to stop accruing extra pension yourself.  You make this known through your employer.



 

 Content Editor

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