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Pension remains, the rules change

New rules have been drawn up for pensions in the Netherlands. We expect your pension at Pensioenfonds PGB to change on 1 January 2027. That is when we will switch to the new rules. But not everything changes. The strong points remain. But some things are changing. Find out here what stays the same and what changes.

This stays the same

  • You and your employer both contribute towards your pension. We invest this money.
  • Retiring? You will receive your pension for as long as you live, no matter how old you get.
  • There will still be a pension for your partner and children, if any, which they will receive when you die. Already receiving a pension? In that case, the choices you made about the partner's pension when you retired will continue to apply. 
  • You can still make choices for your pension. For example, retiring earlier. 
  • There will still be a pension for your partner and children, if any, which they will receive when you die. Already receiving a pension? In that case, the choices you made about the partner's pension when you retired will continue to apply. 
  • The AOW (state pension) via the government remains.  

This will change 

The new rules also cause a number of things to change. For example, everyone will soon have a contribution scheme with their own pension pot. Your pension will move more in line with the economy. The rules for the survivor’s pension are also being simplified.  

A solidary or flexible contribution scheme  

In the new pension, almost everyone will have a contribution scheme. In the case of a contribution scheme, you invest money in your pension together with your employer. Together with the results of the investments, this goes into your pension pot. When you retire, we convert this into an amount for your pension.

In the new pension scheme there are 2 types of contribution schemes:

  • a solidary contribution scheme
  • a flexible contribution scheme.

Most social partners and employers opted for the solidary contribution scheme.  

Watch the videos about these contribution schemes

Pensions will move more in line with the economy

In the new pension, your pension will move more in line with the economy. This means we can increase pensions more quickly when the economy is doing well but also decrease them faster when things aren't going so well economically.

To prevent the latter as much as possible, agreements have been made, but what they are depends on your pension scheme. The solidary contribution scheme, for example, has a reserve fund to supplement the pensions of pensioners, so reductions are prevented as much as possible. And we spread the results of our investments over several years to ensure pensions do not suddenly increase or decrease significantly.


We will tell you more about how the new rules will affect your pension in the course of 2026.  

Rules for partner's pension will soon be the same for everyone

Partner's pension is the pension for your potential partner when you die. The rules for this pension will soon be the same for everyone in the Netherlands. This makes it clearer what you as a survivor can count on.

The amount of the partner's pension will be a percentage of your salary at the time of your death. It no longer matters how long you have worked for your employer. And in any case, you are insured for a partner's pension as long as you contribute money with us for your pension.

  • Already accrued a partner's pension with us before the transition to the new rules? This will remain in force. If you die while still contributing money with us for your pension, your partner will receive the partner's pension according to the new rules, as well as the partner's pension you had already accrued. Your partner will receive this for as long as he or she is alive.
  • Are you already retired? In that case, the agreements you made about the partner's pension when you retired will continue to apply. Already retired? In that case, the agreements you made about the partner's pension when you retired will continue to apply. 
  • Receiving a partner's pension? You will still receive this under the new system as long as you live.  

Watch a short video about the partner's pension from 2027.  

So how will the new rules affect my pension?

What exactly changes for your pension depends on the pension scheme you’re currently in and the agreements that your employer or industry will enter into for your pension. So we don’t know yet how exactly your pension will be affected.

Find out what we can tell you about your new pension now