Your current pension in the new scheme

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Your current pension

In May 2026, you will receive the current calculation of your pension in the new scheme. This shows you what your pension benefit is in the new scheme. In June 2026, you will receive this new amount and an additional payment for the first months of 2026.  

What has changed? 

  • The pension that you have accrued with us in the old scheme is still yours. We have transferred it to the new pension scheme.
  • You received a one-off extra pension amount at the time of the transition.
  • Your partner's pension, if any, has changed.
  • The most important change: your pension is now variable.

Your pension is variable

The most important change is that your pension is variable in the new scheme. Every year we determine the amount of your pension. From 2027 onwards, your pension may therefore be higher, but also lower. Whether this happens depends on investment results, interest rates and average life expectancy. Are the results positive? Then we will increase your pension. We have a reserve to prevent your pension from being reduced as much as possible. Only in the special case that our reserve becomes empty, your pension benefit will be reduced. The chance that your pension benefit will be lower is therefore much smaller than the chance that it will be higher. Read more about the variable pension.

Explanation of the letter with your current pension

In the letter with your current pension, we explain what data we have used, what the figures and amounts mean and what pension benefits you can expect. Below you will find the answers to frequently asked questions. 

Frequently asked questions

Why is your amount different from the first calculation?  
The situation has changed since you received the first calculation of your pension. This is what has changed:
  • Everyone who has a pension with StiPP received a one-off extra pension amount when they switched to the new pension scheme. So are you, which is why your pension is higher. We took this amount from our fund assets.
  • The extra amount that we can pay out has been increased.
  • Our fund assets have changed since the first calculation.
  • You are divorced. This had not yet been 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. That effect can be positive or negative. 
Why is my pension higher in the new scheme?
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 is higher.
When will you notice anything from the new regulation?
From June 2026 you will receive your new monthly amount from us. Is this new monthly amount higher than what you get now? Then you are still entitled to the difference from January 2026 to May 2026. We will also pay that difference in June 2026. 
Why are there gross amounts and not net amounts in the pension overview?
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. Just before the 1st payment you will receive a payment notice. In it you can see the net amount you receive.
I read that StiPP now has a flexible contribution scheme (was defined contribution scheme). What does that mean?

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

  • Yourpension 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.
  • 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 can receive a survivor's pension.
Have my surcharges, if any, changed? 
If you receive a pension, your pension amount may change. If that happens, it can also affect the allowances you receive. For example, if you receive health care or housing allowance.

On belastingdienst.nl/toeslagen you will find more information about what to do if your income changes. 
Has my AOW benefit also changed now that my pension has changed?
No, you will receive your AOW benefit from the government. This is separate from the pension capital that you accrue and from your pension benefit.
I read in the media that some pensioners will gain as much as 20%. Why is this percentage lower for you?
How much a pension can increase differs per pension fund. That depends mainly on how much money a fund has and which pensions it has to pay now and in the future. Pensions that increase by 20% are an exception. Some pension funds had more financial leeway before the switch to the new pension scheme, or did not have a defined contribution scheme like we did. 

We already had a defined contribution scheme. And that's why we had a smaller buffer (reserve). As a result, there was less money to distribute among all participants. But we were also able to increase pensions when switching to the pension scheme.

Do you have any questions? 

We are happy to help you. Please contact us.