Questions when you accrue pension with StiPP

The pension capital that you have accrued with StiPP will of course remain yours. And we will continue to invest this. In the new pension system in the Netherlands, all employees will accrue pension in a defined contribution scheme. The StiPP pension scheme is already such a contribution scheme. So you continue to accrue pension in the same way. You will also remain insured for death and – under certain conditions – for disability.

There will be one new pension scheme
In the new pension scheme, the current Basic and Plus schemes will be terminated and there will be one new pension scheme. All employees in the temporary employment sector will therefore have the same scheme from 1 January 2026. You accrue pension from the age of 18 until the state pension date.

You will receive a one-off extra amount
Everyone at StiPP will receive a one-off extra pension amount when they transition to the new pension scheme. So do you, which will increase your pension capital. We will take this amount from StiPP's fund assets and therefore this additional amount depends on StiPP's financial situation on 1 January 2026. 

You will pay more premium
Together with your employer, you will pay more premium, so that you accrue more pension. 

Your pension benefit will be variable
That 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.

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.

No, you don't have to do anything. We will automatically keep you informed of all the news about the new pension scheme. You will receive a message from us in October or November 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 June 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.

Together with your employer, you will pay more contributions so that you accrue more pension. The pension contribution will be 23.4% of the pension base. You pay 7.5% of that. Your employer pays 15.9%. 

In the Basic Scheme, your employer will pay 8% of the pension base in contributions until 1 January 2026. In the Plus Scheme, you and your employer pay pension contributions together. In total, you pay 12% of the pension base in premiums. In the new scheme, you will accrue more pension. That is why your premium will go up. You pay the premium together with your employer. You pay 7.5%. Your employer pays the remaining 15.9%. Together, you and your employer pay 23.4%.

In total, you pay a contribution of 23.4% on your pension base. Your employer pays 15.9% of this and you pay 7.5%.

This is how we divide your 23.4% pension contribution:

• 20% goes to your pension capital. We invest with this to grow your pension. When you retire, we pay your pension every month from this capital.
• 3.4% is for the risk insurance for the survivor's pension, if you die while you are still accruing pension. For the risk coverage, if you become incapacitated for work. And for other costs, such as implementation costs and financial reserves. (This percentage is not yet final).

If you accrue pension in the Basic Scheme in the current pension scheme, your employer will pay the full pension contribution. After 52 weeks of work in the Basic Scheme, you will switch to the Plus Scheme. In the Plus Scheme, you pay your own contribution for your pension. In the new pension scheme, everyone will accrue pension in a flexible contribution scheme. The Basic and Plus schemes will then no longer exist. In the new scheme, the premium is the same for everyone. From 1 January 2026, all employees in the temporary employment and secondment sector will therefore have the same scheme, in which they accrue pension and pay contributions from the first day of the month in which they are 18 until the state pension date. 

In the new pension scheme, you will accrue more pension. For this, you and your employer pay more pension contributions than in the current scheme. You will see this on your payslip from 1 January 2026. 

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.

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 carried forward 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 .

When you retire, you will receive a pension from us every month for as long as you live.

Your pension accrual stops. Your pension capital remains for later.

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.

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. 

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.

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. 

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.

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 accrues pension with us. The exact percentage you will receive depends on our fund assets on 1 January 2026. 

We get the extra amount from StiPP's fund assets. The amount depends on StiPP's financial situation on 1 January 2026.

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.

For some older participants, the new pension scheme is less favourable. Will the expected pension capital be lower? Then you will receive an extra amount. We call that amount compensation. This applies in two situations:

-    You are 59 years of age or older on 1 January 2026 and you are accruing pension with us.
-    You are 60 years of age or older on 1 January 2026, you are incapacitated for work and we pay your pension contribution.

These participants will receive this compensation because we expect them to accrue less pension in the new scheme than in the current scheme. This amount comes from StiPP's fund assets. The amount of this amount therefore depends on StiPP's financial situation on 1 January 2026.

If you receive compensation , the amount depends on StiPP's financial situation on 1 January 2026. 

Every month, you and your employer contribute to your pension. If you are ill or incapacitated for work, we will pay the premium for you. We call this non-contributory continuation. Please note: there are conditions attached to this.

If you die while accruing pension with StiPP, your partner, if any, will receive a lifelong benefit. Your children will receive benefits until they are 25 years old. This is called the survivor's pension. The amount of these benefits is a percentage of the average last-earned salary over 12 months. The final percentages will be determined by 1 October 2025 at the latest.