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Solidary contribution scheme

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

 

Watch the video about the solidary 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 mean for you in the solidary contribution scheme?

 
Choose the option that applies to you:

 

  • I accrue pension with Pensioenfonds PGB.

    A lot will stay the same

    • You and your employer will continue to pay money into your pension.
    • When you retire, you will still receive your pension every month for the rest of your life. It does not matter how old you become.
    • You will still be able to make choices when you retire. For example, you can retire earlier or receive a temporarily higher pension in the first years.
    • There will still be a pension for your partner and 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 pay in every month will also go into this pot. We will invest the money from all personal pension pots together.
     

    Your pension will respond more to the economy

    This means we will be able to increase your pension faster when the economy is doing well. But if the economy performs less well, we may also reduce your pension.
     

    We will take measures to reduce the chance of reductions

    • We will invest with less risk as you get closer to retirement and after you retire.
    • If you receive a pension, we will spread investment results over several years. This helps us use good years to absorb the impact of bad years.
    • There will be a reserve pot. We can use this to support pension benefits if we would otherwise have to reduce them.
    If the economy performs poorly for a long time and there is not enough money in the reserve pot, your pension benefit may become lower.
     

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

    If you die, your partner will receive a partner's pension. 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. It will no longer matter how long you have worked for your employer. You will be insured for a partner's pension and orphan's pension as long as you accrue pension with us.
     
    Have you already accrued a partner's pension with us before the transition to the new rules for pensions? 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 and 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 with Pensioenfonds PGB.

    A lot will stay the same

    • When you retire, you will still receive your pension every month for the rest of your life. It does not matter how old you become.
    • You will still be able to make choices when you retire. For example, you can take early retirement or choose 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 it.

    What will change?

    You will get a personal pension pot

    We will convert the pension you accrued with us into an amount. This amount will go into your personal pension pot. We will invest the money from all personal pension pots together.
     

    Your pension will respond more to the economy

    This means we will be able to increase your pension faster when the economy is doing well. But if the economy performs less well, we may also reduce your pension.
     

    We will take measures to reduce the chance of reductions

    • We will invest with less risk as you get closer to retirement and after you retire.
    • If you receive a pension, we will spread investment results over several years. This helps us use good years to absorb the impact of bad years.
    • There will be a reserve pot. We can use this to support pension benefits if we would otherwise have to reduce them.
    If the economy performs poorly for a long time and there is not enough money in the reserve pot, your pension benefit may become lower.
     

    Or see what will change for you in PGB Beeld

    Go to PGB Beeld

     

  • I receive a pension from Pensioenfonds PGB

    A lot will stay the same

    • You will still receive your pension every month for the rest of your life. It does not matter how old you become.
    • The arrangements you made when you retired will stay the same. For example, the arrangements for your partner's pension if you die.

     

    What will change?

    Your pension will respond more to the economy

    This means we will be able to increase your pension faster when the economy is doing well. But if the economy performs less well, we may also reduce your pension.
     

    We will take measures to reduce the chance of reductions

    • We will invest with less risk when you are retired.
    • We will spread investment results over several years. This helps us use good years to absorb the impact of bad years.
    • There will be a reserve pot. We can use this to support pension benefits if we would otherwise have to reduce them.
    If the economy performs poorly for a long time and there is not enough money in the reserve pot, your pension benefit may become lower.
     

    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