On 1 January 2026 , you will switch 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
- Accruing more pension
You are going to accrue more pension. This way, your pension is better aligned with the future. That's nice. That is why your premium will also increase. You pay the premium together with your employer. You pay 7.5%. Your employer pays the remaining 15.9%. Wondering where your pension contribution will end up? We explain it in this infographic. - 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. - 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 the 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. - Premium exemption in the event of incapacity for work
If you become disabled and meet the conditions, you will continue to accrue pension. StiPP then continues to pay (partially) the pension premium. This is currently only the case in the Plus scheme. - There is a risk-based partner's pension
Do you die before you retire? Then in most cases your partner will receive a lifelong partner's pension. Are you stopping accruing pension with StiPP? Then you will receive 3 months of coverage for the partner's pension. You can extend the coverage for the partner's pension yourself to 15 years. Read more about the survivor's pension in the new scheme. - Your children are entitled to an orphan's pension
If you die, your children will receive an orphan's pension until they are 25 years old. This was 18 years in the current scheme. Are you stopping accruing pension with us? Then you will receive 3 months of coverage for the orphan's pension. You can extend the coverage for the orphan's pension yourself up to 15 years.
What will change once on 1 January 2026?
There are a few special situations in which something changes for you once:
- One-off increase in your pension
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. - Are you 59 years or older?
Then you will probably receive not once, but twice an extra amount with your pension when you transition to the new pension scheme. We call this compensation. This is because we expect you 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. - Are you over 60 years old and incapacitated for work?
Then you will receive not once, but twice an extra amount with 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 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. - No value transfer
During the transition to the new pension scheme, it is possible that the value transfer of your pension is temporarily halted, because one of the pension funds has already been converted and the other has not. Once both funds have been converted, your pension can still be transferred.
Are you retiring before 1 January 2026?
Are you 59 years or older, but younger than 67? And are you still accruing pension with us? Then you will not receive compensation if you take early retirement before 1 January 2026. If you retire after 1 January 2026, you will receive one-off compensation. In the letter with the first calculation of your pension in the new scheme, you can see how high your expected compensation is. You will receive that letter in October.