Did you accrue pension with StiPP? Read the answers to frequently asked questions about the new pension scheme:
What will remain the same in the StiPP pension scheme?
The pension capital that you have accrued with StiPP is still yours. And we continue to invest in this.
What will change in StiPP's pension scheme?
We expect your pension capital to increase slightly. This is because you will receive a one-off extra pension amount from us during the transition. And once you retire, your pension benefit becomes variable. This means that it moves with the economy. As a result, your pension may change slightly every year. It can be higher or possibly lower. We have a reserve. In this way, we supplement your pension and prevent it from being lower as much as possible.
Want to know more about what's changing? Then read the summary of the transition plan. The transition plan contains choices and agreements about the new pension rules.
Do I have to do anything for the new pension scheme now?
No, you don't have to do anything. StiPP automatically keeps you informed of all the news about the new pension scheme. You will receive a message from us in the autumn of 2025. This contains a provisional calculation of your expected pension capital in the new pension scheme. You will receive the final calculation from us in 2026.
Want to know more? On
mijnpensioenoverzicht.nl , you can already see how much pension you have accrued through your employers so far. And how much state pension you will receive later. This way you know what you expect to get when you retire.
How much pension will I receive in the future?
You will receive a message from us in the autumn of 2025. This contains a provisional calculation of your expected pension in the new pension scheme. You will receive the final calculation from us in June 2026.
On My StiPP Pension you can find out how much pension you have accrued with StiPP. With this money you buy a monthly pension benefit when you retire.
I have also accrued pension with another fund. What happens to that?
Your pension will remain there. Ask your other pension fund what the new pension scheme will look like there. If your pension is small and below the surrender limit, it will be transferred automatically. If your pension is higher than the surrender limit, you can choose to transfer the accrued value to StiPP. More information about surrender can be found on the
value transfer page.
Will I still receive a lifelong pension?
When you retire, you will receive a pension from us every month for as long as you live.
Is it possible that I will receive less pension in the new pension scheme than in the current scheme?
Your pension benefit will be variable. This means that it moves with the economy. As a result, your pension may change slightly every year. It can be higher or lower. We have a reserve. In this way, we supplement your pension and prevent it from being lower as much as possible. Only in the special case that our reserve is empty, your pension benefit will be reduced. The chance that your pension will be lower is therefore much smaller than the chance that it will be higher.
What is my retirement date in the new scheme?
You decide when you retire. 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. Do you want your pension to start earlier? Then apply for your pension at least six months before the start date using the form
for early retirement. Do you want your pension to start later? You can postpone your pension payment until five years after the state pension age. You must report this to StiPP no later than three months before the state pension age.
Is there a difference between my retirement date in the old scheme and the new scheme?
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.
What is allocation?
When everyone transitions to the new scheme, they will receive a one-off additional pension amount in their pension capital. We call
this allocation. We get this amount from StiPP's fund assets. The amount of the amount therefore depends on StiPP's financial situation on 1 January 2026.
How is the additional amount (allocation) calculated for me?
The exact percentage you will receive depends on the fund assets of StiPP on 1 January 2026. We will add the extra amount to your pension capital once on 1 January 2026. This applies to everyone who accrues pension with us.
Is the extra amount the same for everyone?
The percentage on the basis of which the extra amount is calculated is not the same for everyone: pensioners receive more because they get back money that they previously paid to the fund. We will add the extra amount to your pension capital once on 1 January 2026. This applies to everyone who is accruing or has accrued pension with us. The exact percentage you will receive depends on our fund assets on 1 January 2026.
How much is this extra amount?
We get the extra amount from StiPP's fund assets. The amount depends on StiPP's financial situation on 1 January 2026.
What if the investments are going badly, won't I get an extra amount?
If investments are poor, StiPP's fund assets will decrease. It may be that there is no money left in our reserves. If that is the case, you may not receive an additional amount in your pension capital. But this is not what we expect.