Your current pension in the new scheme

Since the first calculation, your pension accrual has not stood still. Below are several reasons why your amount has changed.

• You worked between 1 July 2025 and 31 December 2025 and therefore accrued more pension capital.
• The return that our investments yielded between 1 July 2025 and 31 December 2025 is included in your pension capital. 
• The extra amount that we can allocate has been increased. 
• Your pension with your old employer has been transferred to your pension capital with StiPP. 
• You are divorced and this was not yet processed in our administration before 1 July 2025. As a result, part of your pension goes to your ex-partner. 
  
  The points above all have an effect on the value of your pension capital. That effect can be positive or negative. 

We calculate your compensation based on: 

• your age on 1 February 2026, and
• your average pension base over the period 1 February 2025 to 1 February 2026. 
  
  The overview you received from us shows your average pension base for the period from 1 January 2025 to 1 January 2026. That is a different period. Therefore, your own calculation may be different from the amount you receive from us.  

Everyone received a one-off extra pension amount from us during the transition to the new pension scheme. So do you. That is why your pension capital is higher. 

One group also received an extra compensation amount because their expected pension capital on the retirement date may be slightly lower. This applies to working people over 59 and/or a number of permanently disabled people. We took these amounts from our fund assets.

Would you like to know more about this topic? On the page about the one-time extra amount and on the page about compensation you will find animation videos with extra explanation. 

Then something in your situation has changed between July 1, 2025 and January 1, 2026. Maybe you no longer work as a temporary worker or seconded worker? Or you have retired. Read which changes affect your pension.  

What the net amount will be depends on several factors. For example, on your personal situation and on the tax rates that apply to you. Therefore, we cannot calculate net amounts. 

With the words 'very good' and 'very bad' the pension, we show that your pension can change in the future.  That depends on the investment results. To calculate this, all pension funds use the forecasts of the Dutch Central Bank (DNB). DNB calculates how the economy could develop in the future with many different possible situations. DNB adjusts these forecasts every quarter. This will give you an estimate of what may happen to your pension in the future.

The flexible contribution scheme is similar to the defined contribution scheme. There are a few important differences:

• We no longer work with an age-related contribution, but with one fixed contribution of 20% for everyone who accrues pension with us. Read more about the pension contribution here .
• The survivor's pension is now insured (in the flexible contribution scheme) on a risk basis. That means: do you die while you are still accruing pension with StiPP, or shortly thereafter? Then your surviving dependants will receive a survivor's pension.
• Will you receive a pension later? Then your pension benefit has become variable. This means that your pension may be slightly higher or lower each year. This is partly due to the investment results. That is why there is now the risk-sharing reserve in the flexible contribution scheme. With this buffer, we absorb financial windfalls and setbacks. Is it financially disappointing? Then we use the reserve to prevent your pension from being reduced. 

This is one of the agreements made by the social partners (trade unions and employers' organisations) in the temporary employment sector. Everyone contributes to their own pension. You pay about 1/3 of the premium yourself. And about 2/3 of the premium is paid by your employer.  Would you like to know more about the agreements made? Then read or download the full transition plan.

Every month, you pay pension contributions together with your employer. If you add this money up, it is not enough for later. That is why we have this money invested by professional investors. This way, your pension capital grows a little every month. For more information, see This is how we invest - Employee - StiPP.

It is not possible to save for extra pension via StiPP. But you can put extra money aside yourself, for example through (bank) savings or an annuity. Ask your bank or financial advisor for advice.

Yes, you choose when you retire. This is possible from 5 years before your state pension age.  

We pay the compensation from our fund assets. You can read more information on the page about compensation . You will also find an animation video with additional explanation. 

Unfortunately, the conversion to the new scheme also has disadvantages for you. The one-time compensation you received is not enough to make up for these disadvantages.  This is because in the old pension system, young people actually paid a little for the elderly. That has now changed. Are you a bit older or incapacitated for work? Then you sometimes accrue (proportionally) less pension. The compensation you receive does not always fully compensate for this.