Questions about the new pension scheme

The Netherlands is switching to a new pension system. We will also change our pension scheme as of 1 January 2026. Why? For several reasons. We are getting older in the Netherlands. We want to be able to respond more flexibly to economic developments. And our way of working has changed recently. We change jobs more often, become self-employed, or flex workers. The old pension system no longer fits in with this. That is why the trade unions, employers and the government together made new rules for a new pension. The aim is to make the pension system more open, personal and future-proof. 

A number of strengths of the current pension system remain:
- You continue to accrue pension through your employer
- You will receive a pension for as long as you live
- The state pension through the government remains

The social partners in the temporary employment sector have made agreements about the transition of the temporary employment sector to an improved pension scheme. StiPP's new pension scheme is in line with the market and an improvement in employment conditions. The difference between the pension scheme for (temporary) employees in the temporary employment sector and the pension scheme for colleagues in permanent employment will become smaller. There will soon be one pension scheme for all temporary workers. 

The trade unions and the employers' organisations (social partners) have determined what the new pension scheme will look like. For StiPP, these are trade unions FNV, CNV Vakmensen and De Unie and employers' organizations ABU and NBBU.

The new StiPP pension scheme applies to everyone who is accruing or has accrued pension with StiPP. And also for everyone who receives a pension from StiPP.

In the old scheme, the fixed retirement age was 67 years. In the new scheme, StiPP aligns the retirement age with the state pension age. This means that in principle you retire when you have reached the state pension age. But you can bring your pension forward up to five years before the state pension date and postpone it up to five years after the state pension date. So you decide when you retire.

That is the plan in which the transition to the new regulation is laid down. StiPP's new pension scheme will take effect on 1 January 2026. Trade unions and the employers' organisations (social partners) have determined what the new pension scheme will look like. The choices and agreements they made about this are set out in the transition plan. The transition plan is the basis for the transition to the new pension scheme. You can download the transition plan on the website. Or read the summary of the most important agreements that have been made.

We have summarised the most important agreements from the transition plan for you. Read the summary of the transition plan here . Would you rather read the entire transition plan? Then download the transition plan.

In the new pension system, all employees will accrue pension in a defined contribution scheme. StiPP's current pension scheme is already a defined contribution scheme. In a defined contribution scheme, each participant has an individual pension capital. This capital is invested. The investment risk lies with the participant. With this individual pension capital, you purchase a pension benefit when you retire. So you continue to accrue pension in the same way. However, StiPP's pension scheme will be adjusted on a number of important points. You can find the agreements about the new pension scheme in the transition plan.

In the new pension system, two pension schemes are possible. The flexible contribution scheme is one of those two types. In a flexible contribution scheme, you and your employer pay contributions for your pension every month. This allows you to build up your own pension capital. We invest this capital. When you retire, you use it to buy a pension benefit. The flexible contribution scheme is called that because sometimes you can make your own choices. For example, when you retire. 

From 1 January 2026, StiPP will switch to one new pension scheme for all temporary workers and seconded workers. In the timeline you will find the most important dates up to the introduction of the new pension scheme. 

No, the AOW will continue to exist. The AOW is a basic income that you receive from the government from your state pension age. The new pension scheme is about the pension that you accru, accrued or have accrued with StiPP. Your pension benefit from StiPP is a supplement to the state pension.

You accrue pension in a new scheme with a higher contribution. You will also receive an extra pension amount when you transition to the new scheme. The amount of that amount depends on StiPP's financial situation. 

In the autumn you will receive a message in which you can see how much pension you have accrued in the current scheme. In this message you will also see a first calculation of your pension in the new scheme. We expect to be able to give you a one-off extra pension amount in your pension capital during the transition. In the new scheme, we have to set aside less money. This allows us to add money from StiPP's fund assets to your pension capital during the transition. The amount of that extra amount depends on our financial situation on 1 January 2026.

Please note: the message in the autumn contains the first calculation of your pension in the new scheme with data that were known to us on 1 July 2025. The amounts are therefore not yet final. In 2026 you will receive a letter with the current calculation. 

A lot of the advantage of the new scheme is after the moment your pension starts. Because in the new scheme, your pension can more easily grow with rising prices. And your pension is better protected against a decrease. 

Most participants in our pension fund are young. The new scheme fits in well with them. Older participants accrue less pension in the new pension scheme than they would in the old pension scheme. That is why they will receive an additional amount on top of their pension capital (compensation) on 1 January 2026. This compensation scheme does take into account that temporary workers and seconded workers change employers more often. If you continue to work for the same employer as an older employee, the new pension scheme is less favourable.

No, you can't. The goal of StiPP is to further grow your individual pension capital through investments. We do this by investing in organisations, companies and initiatives that take the world around us into account. We invest in a socially responsible way. With a focus on the long term and with a good balance between risk and return. From the age of 57 you can make a choice whether you want to invest with more or less risk.

In the new system, everyone accrues pension through a flexible contribution scheme. The pension money is invested. As in the current scheme, you can see for yourself how high the contribution to your pension is and how your pension capital is doing. If the investments are doing well, your pension capital will grow. If the result of the investments is disappointing, your pension capital may grow less rapidly or decrease.

You can read the latest news about StiPP's new pension scheme in the newsletter. There is also a special page about the new pension scheme on the website.