On 1 January 2026 , the pension you have accrued with us will be transferred to our new scheme. Much remains the same, but there are also some changes. You can read it here.
This is what changes for you
- From two schemes to one
The two schemes in the current scheme (Basic and Plus) will be terminated and replaced by one scheme for all StiPP participants. - One-off increase in your pension on 1 January 2026
We expect everyone who has a pension with us to receive an additional amount from us in 2026. We call this allocation. The amount needed for this comes from our fund assets. This is therefore only possible if our financial situation is good enough on 1 January 2026.
Participants aged 59 and over, or who are 60 years of age or older and incapacitated for work, will probably receive an additional amount on top of their pension when they transition to the new pension scheme. We call this compensation. This is because we expect them to accrue less pension in the new scheme than in the current scheme. The compensation comes from our fund assets. This is therefore only possible if our financial situation is good enough on 1 January 2026. You can read more about compensation here. - Your pension will be variable
Your pension can change annually. This depends on investment results, life expectancy, interest rates and what reserves we have. Are the investment results positive? Then your pension will increase. If the results are negative, we will supplement your pension from our reserve. So that your pension remains the same as that of the previous year. Only in the special case that our reserve is empty, your pension will be reduced. The chance that your pension will be lower is therefore much smaller than the chance that it will be higher. Read more about a variable pension. - Your retirement date changes
In the old scheme, the fixed retirement age was 67 years. In our new scheme, the retirement age is the same as the state pension age. This means that you will retire when you have reached the state pension age. But you can also retire earlier: up to five years before the state pension date. You can also work longer: up to five years after the state pension date. So you decide when you retire.