Questions when you are about to retire

Your pension capital will be retained and transferred to the new pension scheme. When you retire, your pension will be paid monthly from this amount. You can decide for yourself whether you want to use part of your pension capital to insure a partner's pension. In the new scheme, you can only opt for a variable pension benefit with little investment risk. Do you want a fixed pension benefit or a variable pension benefit with more investment risk? Then you can arrange this with other providers.

Your pension benefit will depend on investment results and life expectancy. To prevent your pension from being lowered, we keep a reserve: the risk-sharing reserve. This reserve is intended to prevent a reduction in your pension as much as possible.

Are you over 59 years old? Then you are expected to receive an extra amount once in addition to your pension capital when you transition to the new pension scheme. We call this compensation. This is because we expect you to accrue less pension capital in the new scheme than in the current scheme. The compensation comes from StiPP's fund assets. This is therefore only possible if StiPP's financial situation is good enough on 1 January 2026.

Together with your employer, you will pay more premium, 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%.

You will receive a message from us in October or November 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.

You will receive a letter from us six months before your state pension date. This letter includes an application form that you fill in and send to us. That letter can also be found on My StiPP Pension under My Documents. This way you can also apply for your pension online. Do you want your pension to start earlier than your state pension age? 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? Then you can postpone your pension payment until five years after your state pension age. You must declare this to StiPP no later than three months before your state pension age. 

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.

Do you want to retire before the new pension scheme takes effect? Are you retiring as a temporary worker or seconded worker? Or does something else change in your situation? Then this may have consequences for whether or not you will receive compensation on 1 January 2026. You can read more about this on the page Will your situation change before 1 January 2026? This is what it does to your pension.

Do you receive an allowance, for example a healthcare or rent allowance? Then your allowance amount may change. This is because you will soon receive a monthly pension benefit. Are you receiving less income? Then you may be entitled to more allowance. Are you receiving more income? Then there is a chance that you will have to repay the excess allowance received. Check belastingdienst.nl/toeslagen for more information. 

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

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.

Your pension will remain there. Do you want to transfer this other pension to StiPP? Then ask for a value transfer. Is your accrued pension small and lower than the surrender limit? Then pension administrators can choose to transfer this pension automatically. Is your accrued pension above the surrender limit? Then you make the choice whether you want to transfer your pension. More information can be found on our value transfer page.

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 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.

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. Is your expected pension capital 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.

The amount of the compensation depends on StiPP's financial situation and your age on 1 January 2026. Are you incapacitated for work? Then the percentage also depends on the extent to which you are incapacitated for work.

Every month, you and your employer contribute to your pension. If you are 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 last-earned average salary over 12 months. For your partner it is 35%, for your children 15%.

No, you don't have to do anything. StiPP will keep you informed of all the news about the new pension scheme in the coming period. 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.

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.