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Flexible contribution scheme

There are new rules for pensions. Your pension will change too. We expect this to happen on 1 January 2027. You will get a flexible contribution scheme. Your (former) employer chose this scheme. Watch the video below to find out what this means for your pension under the flexible contribution scheme.

Watch the video about the flexible contribution scheme

In less than 2 minutes, you will know:

  • What it means for your pension
  • What remains the same
  • What will change

What does the new pension in the flexible contribution scheme mean for you?

 
Choose the option that applies to you:

 

  • I accrue pension

    A lot will stay the same

    • You and your employer will continue to contribute to your pension.
    • When you retire, you will still receive your pension every month for life. It does not matter how old you become.
    • You will still be able to make choices when you retire, such as taking early retirement or choosing a temporarily higher pension in the first years.
    • There will still be a partner's pension for your partner and an orphan's pension for your children if you die.

     

    What will change

    You will get a personal pension pot

    We will convert the pension you have accrued with us into an amount. This amount will go into your personal pension pot. The money that you and your employer contribute each month will also go into this pot.
     

    You choose how much investment risk we take

    You can choose the standard level of risk, or you can choose more or less risk.
    If you choose more risk, your expected pension will be higher, but you will have less certainty. If you choose less risk, your expected pension will be lower, but more certain.
     

    You choose a variable or fixed pension benefit

    Under the new pension, you choose a variable pension benefit or a fixed pension benefit.
    Pensioenfonds PGB only offers a variable pension benefit. If you want a fixed pension benefit, you can transfer the money in your personal pension pot to another pension provider.
    With a variable pension benefit, your pension payments move with the economy. Your pension may increase when economic conditions are favourable. But it may also decrease when conditions are less favourable.
     
    With a fixed pension benefit, your pension payments stay more or less the same.
     

    Partner's pension and orphan's pension: a percentage of your salary

    If you die, your partner will receive a partner's pension and your children will receive an orphan's pension until age 25.
    The amount will be a percentage of your salary at the time of your death. How long you have worked for your employer will no longer matter. You will be insured for a partner's pension and orphan's pension as long as you accrue pension with us.
     
    Did you accrue a partner's pension with us before the transition to the new rules? That pension will remain in place. If you die while you are still accruing pension with us, your partner will receive the partner's pension under the new rules as well as the partner's pension accrued under the old rules.
     

    Or see what will change for you in PGB Beeld

    Choose your age group and read your magazine.

     

  • I accrued pension

    A lot will stay the same

    • When you retire, you will still receive your pension every month for life. It does not matter how old you become.
    • You can still make choices when you retire, such as taking early retirement or choosing a temporarily higher pension in the first years.
    • Have you accrued a partner's pension with us? This will remain in place. If you die before you retire, your partner will receive this pension.

     

    What will change

    You will get a personal pension pot

    We will convert the pension you have accrued with us into an amount. This amount will go into your personal pension pot.
     

    You choose how much investment risk we take

    You can choose the standard level of risk, or you can choose more or less risk.
    If you choose more risk, your expected pension will be higher, but you will have less certainty. If you choose less risk, your expected pension will be lower, but more certain.
     

    You choose a variable or fixed pension benefit

    Under the new pension, you choose a variable pension benefit or a fixed pension benefit.
    Pensioenfonds PGB only offers a variable pension benefit. If you want a fixed pension benefit, you can transfer the money in your personal pension pot to another pension provider.
     
    With a variable pension benefit, your pension payments move with the economy. Your pension may increase when economic conditions are favourable. But it may also decrease when conditions are less favourable.
     
    With a fixed pension benefit, your pension payments will stay about the same.
     

    Or see what will change for you in PGB Beeld

    Go to PGB Beeld

     

  • I receive pension

    A lot will stay the same

    • You will still receive your pension every month for life. It does not matter how old you become.
    • The choices you made when you retired will stay the same:
      • your choice for more, equal or no partner's pension if you die;
      • your choice to take early retirement or retire later;
      • your choice for a temporarily higher or lower pension.

     

    What will change

    Under the new pension, you choose a variable pension benefit or a fixed pension benefit.
    Pensioenfonds PGB only offers a variable pension benefit. If you want a fixed pension benefit, you can transfer the money in your personal pension pot to another pension provider.
     
    With a variable pension benefit, your pension payments move with the economy. Your pension can increase when economic conditions are favourable. But it can also decrease when conditions are less favourable.
     
    With a fixed pension benefit, your pension payments stay about the same.
    Have you already applied for your pension with us? Then you can still choose in 2027 to switch to a fixed pension benefit with another pension provider. You will receive more information about this.
     

    Or see what will change for you in PGB Beeld

    Go to PGB Beeld

     

We expect your pension will change on 1 January 2027. Until then, you will receive more information step by step. When will you hear more about what the new pension means for you?

 

Find out what to expect when
Navigate quickly to
Agreements per employer (only in dutch)
Animated videos about the new pension