Your current pension in the new scheme

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Your letter with the current calculation

In May or June 2026, you will receive the current calculation of your pension in the new scheme. It shows you with which pension capital you will start in the new pension scheme on 1 January 2026. It concerns the pension that you have accrued with us in the past. 

What has changed? 

  • The pension capital 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. 

Do you want to know why you received the one-off extra pension amount at the time of the transition? Then watch the animation below. 

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Explanation of 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 you can expect. Below you will find the answers to a number of questions. 

Frequently asked questions

Why do the amounts in this letter differ from the amounts in the first calculation?

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

  • 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 pay out 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. 
Why is my pension capital 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 capital is higher. 
The first calculation said that I received compensation. There is nothing left in the current calculation. How is that possible?
Then something has changed in your situation recently or between July 1, 2025 and January 1, 2026. You no longer work as a temporary worker or seconded worker and on 1 July 2025 you will. Read what these changes mean for your pension. 
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.  
What do you mean by when things are 'very good' and when things are 'very bad'?
To calculate the pension that you can expect if things go well or badly, all pension funds use the predictions of the Dutch Central Bank (DNB). They calculate with many different possible situations how the economy could develop in the future. DNB adjusts this forecast every quarter.
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:
  • 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 based on your salary
  • Do you receive a pension? 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. 
What will increase my pension capital? Can I do something about that myself?
We have your money that you have invested in the past with your employer invested by professional investors. In this way, we hope that your pension capital will grow 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.
Can I still retire earlier?
Yes, you choose when you retire. This is possible from 5 years before your state pension age.  
How do you pay the compensation for those who receive it?
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.

Do you have any questions? 

We are happy to help you. Please contact us. 

Please note: this is the calculation of your pension in the new scheme on 1 January 2026. We calculated your pension using your details that were known to us on 31 December 2025. Has something changed in your situation or in that of StiPP? Then this will affect your pension capital. See what changes do to your pension here.