How do I read my overview?

Are you transitioning to the new pension? Then you will soon receive overview 1. This overview shows your expected pension amounts under the new pension scheme and the current pension scheme.

Do you have questions about the overview or your new pension amounts? On this page we explain more.

  1. When will I receive my overview?
  2. Video: how to read the overview
  3. Reading guide
  4. Information box: what is fixed and what is not yet fixed
  5. Is something incorrect? Check your details

When will I receive my overview?

You will soon receive a first overview showing your expected pension amounts under the new pension scheme and the current pension scheme. This package consists of three parts: a letter, overview 1 and a brochure.

How you will receive it

  • If you receive post from us on paper, we will send the letter, overview and brochure with your pension amounts to your home address.
  • If you receive post from us digitally, you will receive an email with a link to MijnPGBpensioen. In MijnPGBpensioen you will find your pension amounts. We will send the email to the address you gave us.

You will also find the overview afterwards in your inbox on MijnPGBpensioen.

 

Watch a short video about your new pension amounts

Would you like to know what you will see in the overview? In this 90-second video, you will learn:

  • what information you will see in the overview;
  • how to read the overview;
  • why the amounts may still change.

Reading guide: points you may miss

  • Why does it show a full-time annual salary when I work part-time?

    The full-time annual salary is the salary for a full working week. Even if you work part-time, you will see this amount in your overview. This makes it easier to compare with other schemes or earlier overviews.

    The percentage you work shows how much of a full-time position you work.

    For your pension, we use your own situation. For example, if you work 24 hours a week, we calculate your contribution based on the salary for those 24 hours.

  • Why do I accrue pension on only part of my salary?

    Because you will receive a State Pension (AOW) later. You do not need to accrue pension on that part of your income. 

    We first deduct this amount from your salary. We then calculate your contribution on the amount that remains. 

  • Why do I see amounts with and without rising prices?

    The cost of living rises over time (inflation). We take this into account when calculating your expected pension. This gives you a realistic picture of what you may be able to buy with your pension.

    You can compare this with what your salary can buy today. It also helps you see whether you may be able to manage financially after retirement.

    By law, we must also show your expected pension without taking rising prices into account. We clearly indicate these amounts.

How do I read my overview?

It is best to start with the letter included with Overview 1. It contains the most important amounts about:

  • your own pension
  • your partner's pension (if you die). Do you not have a partner at the moment? A partner's pension is still arranged while you accrue pension.

If you receive your post digitally, log in to MijnPGBpensioen. You will also see these amounts on screen there. 

You will always see two blocks with amounts.

  • On the left you see your expected pension under the current rules. This is the pension you would be expected to receive if we did not move to the new pension.
  • On the right you see your expected pension under the new rules.

Compare these amounts to see directly what the move to the new rules means for your pension.

What will I see on the following pages?

First, you will see the details we used to calculate your expected pension.

We used the details we had about you on 30 June 2026 and our financial position on 30 June 2026. We have calculated this as if we had moved to the new pension on that date.

You will then find more information about your pension amounts. For example, you will see what may happen to your pension if the economy performs better or worse than expected. You will also find more information about pensions for your partner and children.

Why do I see several different amounts?

You will see your pension in different situations.

On the first page you will see your expected pension. This amount is not guaranteed. You will also see your pension if economic conditions are less favourable. In that case, your pension will be lower. If conditions are more favourable, your pension will be higher.

You can see what you have accrued up to 30 June 2026 in your overview and in MijnPGBpensioen.

What is fixed?

  • We will move to the new pension.
  • Your new pension will move more with the economy.
  • The rules for the partner's pension.

What may still change?

  • The date we move to the new pension.
  • Your personal situation on which the calculation is based, for example:
  • your salary;
  • the amount of your pension;
  • working more or fewer hours;
  • getting married or divorced.
  • Your employer may make different agreements in the transition plan.
  • The amount allocated from the reserves.
  • The coverage ratio of 135% may change after 30 June.

What if my situation changes before the transfer?

If something changes in your situation, this may affect your pension amounts.

Would you like to know more? Go to your situation in the Change Guide. Answer the questions and you will immediately see what the change means for your pension.