What is the situation of your pension? You can read this on your Uniform Pension Statement (UPO) 2023. This overview contains information about your personal pension situation.
Below you will find the answers to frequently asked questions about the UPO. Is your question not listed? Do not hesitate to contact us. We like to help you.
It’s possible that you receive several pension statements. This happens in the following situations:
Your pension statement is based on the details which we had on record as of 1 January 2023. Did you start accruing extra pension as of 1 January 2023 (or later)? Or, as of 1 January 2023, have you had an Anw-Plus insurance? Then this will not as yet be shown on your pension statement.
Generally, your pension with us will start to be paid out on the first day of the month in which you reach state retirement age (AOW-leeftijd). Would you like to know the current level of your pension? If so, refer to mijnpgbpensioen.nl. Here you can see how much pension you’ll get if you retire early or later.
If you cohabit, we aren’t given any information by your municipality. You can register your partner with us yourself. Only when you do so will your partner receive a pension from us if you predecease him or her. The details on your pension statement are based on the details which we had on record on 1 January 2023. Did you only start cohabiting after that date? Then your partner will not, as yet, be stipulated on your pension statement. Next year, your partner’s details will be shown; provided you have registered your partner with us. You can also see your partner’s details on MijnPGBpensioen under the heading ‘My personal details’.
Yes, that’s possible, provided we know who your partner is. At least it’s possible, if you are not currently accruing any partner’s pension or only a partial partner’s pension. On mijnpgbpensioen.nl, you can calculate how much extra partner’s pension you can accrue and what that will cost. You can also arrange the accrual of your extra partner’s pension on your personal page. In addition, you could conclude an Anw-Plus insurance.
Yes, your extra partner’s pension is shown on your pension statement. But you cannot see this amount separately. The partner’s pension shown on your statement includes the extra partner’s pension that you are accruing with us.
No, you will not see the allocation of your pension on your pension statement.
Partner’s pension:
Your ex-partner will receive the partner’s pension that you accrued until the time you separated. Unless your ex-partner has waived his or her right to the pension. You’ll only see the amount that you retain.
Retirement pension:
We do not allocate your retirement pension automatically. This is because it can be allocated in several ways. Did you get divorced before 1 January 2023 and pass the allocation of your retirement pension on to us? And did we confirm that we had processed this in our administration? If so, then only your pension will show in your pension statement. Your ex-partner’s pension will not be shown on your statement.
The amount of pension you accrue with us depends on the amount you earn and the number of hours you work. If you cut back on the hours you worked, you will have accrued less pension with us. Furthermore, if any changes were made to your pension scheme this could also affect your pension.
That is because you’re no longer accruing pension with us. Or because you started working for a new employer in 2023 and we haven´t been given any salary details for you yet. Without these details, we can´t calculate how much pension you can still accrue.
This is only possible if (by the time of your retirement) you have only accrued a small pension (lower than € 594,89 gross per year in 2023). Will you only have a small pension when you leave your employer? In which case, we will try to have your small pension automatically transferred to your new pension administrator. Would you like more information about commuting your pension? If so, please refer to this page.
Yes, any pension you’ve transferred (value transfer) will be shown on your pension statement. But you cannot see this amount separately. We add any pension you transferred to the pension you’ve accrued with us. N.B. Haven’t you received confirmation of your value transfer yet? Or was your pension transferred to us in 2023? If so, the pension you’ve transferred won’t be shown on your pension statement yet.
It’s possible that some details haven’t been processed on mijnpensioenoverzicht.nl yet. The correct details are shown on the pension statement which we sent you. We pass these details on to mijnpensioenoverzicht.nl. Your new details will be entered into mijnpensioenoverzicht.nl as quickly as possible.
When calculating your pension, we take account of your pension scheme in 2023. It is possible that we have not - as yet - received the details of your salary in 2023. Consequently, we use your 2022 salary to make the calculation.
This is because we incur costs when arranging your pension. Amongst other things, these costs are for managing your pension and hedging risk.
The amount of contribution we actually invest also depends on your age. In general, the older you are the more we invest, because the money we invest on your behalf does not have a long time in which to provide a return.
Are you accruing capital in the individual gross defined contribution agreement?
Then the contribution you pay consists of a contribution to be invested and a mark-up for the costs we incur. The invested contribution is established on the basis of your age. If you are older, you will pay more contribution as we invest more on your behalf.
Are you accruing pension in the collective gross defined contribution agreement?
If so you will, just as everyone in this scheme, pay a fixed percentage of your salary/pension basis. We use part of this to pay our costs. The other part is used to make investments. If you are young, the money we invest on your behalf has a longer period to provide a return than it would if you were about to retire. Consequently, we invest a lower amount on your behalf. The closer you get to retirement, the higher the amount we invest on your behalf.
That is because the amounts that you see in the block "What if it turns out well or badly?" are predictions. They provide an estimate of the pension you will receive when you retire. To be able to provide these estimates, we calculate various future economic scenarios (just as all the other pension funds do). When making these estimates, we also take account of potential price rises. Consequently, when making these estimates, we take account of the purchasing power of your pension. As a result, you see an expected pension in the situation when things turn out well economically, and in the situation when things turn out badly economically. You will see different amounts than those shown under "How much pension can you expect?" There, we take no account of potential price rises.
Would you like more information about your pension? If so please refer to this page.
