New pension rules are in the making. The rules worked well for years, but that is changing. That's why unions, employers and the government have created new rules. Your pension also changes. You can read all about the new pension below.
Want to know about the new pension rules quickly? This short 1.5-minute animation explains what will change soon.
We work and live differently than before. The new pension better fits our society and how we work nowadays.
Not everything is changing. The strengths of the current pension system will remain unchanged. But some things are changing.
We expect your pension to change from 1 January 2027. When will you hear more about how that will affect you?
We do not know yet how exactly your pension will be affected. That depends on what your pension scheme will look like in the future.
Want to join the debate about the new pension system? You can! State your opinion or exercise your right to be heard.
How much do you know about the new pension? Do you know what changes are coming and how they will affect you? Test your knowledge of the new pension system with 10 short questions.
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The rules worked well for years, but that is changing. The labour market is different now; increasing pensions often wasn’t possible and the old rules weren’t clear. That is why unions, employers and the government have created new rules. Find out more about the reasons for the new pension.
Who decides on your new pension varies per situation. Either your (former) employer or the industry in which you work will make choices about the new pension. Find out who decides for you about the new pension.
Even if you’re already receiving a pension, your pension will still change. We can’t yet say exactly what will change. That depends on the agreements that your former employer or the industry makes. Find out what we can tell you now.
Does your old employer no longer exist and did you work in an industry that was not mandated to be affiliated? In that case, the current rules will continue to apply to your pension. In other words, no new pension scheme will be agreed for you. Did you work in one of the mandatory industries? In that case, the industry will make agreements about the new pension.
Everyone will soon receive a share of the money. We will distribute that money evenly and fairly. We cannot yet say exactly how much money there will be in your pension pot. This depends on the value of your pension, which new scheme your pension will be converted to and our financial situation, among other things.
The fictitious example below shows what the distribution could have looked like if you had switched to the solidary contribution scheme during our financial situation at the end of 2023.
|
Age |
30 |
50 |
70 |
|
Value of a pension of € 10,000 per year |
€ 100,000 |
€ 130,000 |
€ 170,000 |
|
Money in the pension pot for a pension of € 10,000 per year after distribution of the coverage ratio buffer |
€ 104,500 |
€ 135,850 |
€ 177,650 |
This distribution shows you how much money is needed for a pension of € 10,000 gross per year. You can also see what can happen to the money in the pension pot if we have a higher coverage ratio and a higher buffer. If the financial situation allows it, we may also be able to distribute part of our buffer.
The example shows that younger people receive slightly fewer euros in their pension pot for the same pension of € 10,000 per year, because you get a longer return on investment on the money in the pension pot. Older participants receive a little more.
