You are retiring. With the pension capital you have accrued, you buy a lifelong pension. You choose which pension suits you best: variable or fixed. On this page you will find information that will help you choose.
In this video, we explain the differences between a fixed and a variable pension. Click on the image to start the video.
Differences between variable and fixed pension
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Which pension is right for you?
That depends on your personal situation and preferences. Before you think about this further, it is important that you first take a look at the size of the pension capital that you have with us. You can find this amount in My StiPP Pension. Are you about to retire? Then you will receive a letter by post about the amount of your pension capital. The letter is also available for you in My StiPP pension under 'My documents'.
My pension capital with StiPP is less than € 10,000
It doesn't matter how high your pension capital is: you can always go to StiPP for your pension. With many insurers, you can only get a pension if you have a pension capital of €10,000 or more. Do you have a pension somewhere else? Then you can add the amounts together. Are those pension capitals together more than € 10,000? Then there is a greater chance that you will be able to choose from the three forms of pension.
My pension capital with StiPP is higher than € 10,000
You can use your pension assets to buy pension not only from StiPP, but also from an insurer. So you have a choice.
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Variable pension with little risk |
Variable pension with a lot of risk |
Fixed pension |
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| This suits you if... | This is not for you if... | This suits you if... | This is not for you if... | This suits you if... | This is not for you if... |
| You would like to continue to invest your pension with a little bit of risk | You like to take a little more risk when investing with your pension | You would like certainty about your monthly learning | |||
| You want your pension to be able to rise in line with prices | You want your pension to be able to rise more in line with prices | You want your pension to be able to rise faster in line with prices | You want your pension to be able to rise in line with prices | ||
| You don't mind if your pension is a little different every year | You can absorb significant fluctuations in your pension with other income | You can no longer pay your fixed costs because your pension is different every year | |||
| You would like to receive your pension from StiPP |
You would like to receive your pension from StiPP and do not want to switch to another pension provider |
You want to stay with StiPP and do not want to switch to another pension provider | |||
| I opt for a variable pension with little risk and stay with StiPP | I opt for a variable pension with more risk and switch to another pension provider | I opt for a fixed pension and switch to another pension provider | |||
Is a variable pension with little risk best for you?
Then you can contact StiPP. Do you want a fixed pension or a variable pension with more risk? Then you choose a different pension provider yourself. StiPP works together with the financial advisors of Apple Tree for this. They will look for the possibilities together with you and provide insight into the possible amount of your pension. Check StiPP.metpensioen.nl for more information.
Help with your choice?
Do you find the choice difficult? Please contact us. Do you want personal financial advice? Then ask a financial advisor for help.