Stable or variable pension benefit?

At StiPP you can choose whether you want to receive a fixed or variable pension benefit. You make your definitive choice on reaching your retirement age. The standard retirement age at StiPP is 67.

TO DO on this page

  • Notify choice of fixed or variable pension benefit
  • View and update details in Mijn StiPP Pensioen
  • Apply for DigiD

What suits you best?









Fixed pension benefit

  • From your retirement date you will receive the same amount each month for your lifetime (‘fixed pension’).
  • Your pension benefit will not rise if prices rise. We do not expect your pension benefit to fall either.
  • You can purchase a fixed pension at StiPP or from an insurer.


Variable pension benefit

  • The amount you receive each month will vary each year (‘variable pension’). It may be higher, but also lower.
  • Your pension benefit may go up if prices rise, but may also fall.
  • You can only purchase a variable pension from an insurer. At StiPP you can only purchase a fixed pension benefit.







Need help with your choice?

One person is happy to take more of a risk than another. The following questions may help you decide:


  1. Do I want to run a greater investment risk in return for the expectation of a higher pension?
  2. Can I still get by if I receive less or far less pension?
  3. Will I still sleep well at night if the proceeds of the investments are temporarily or permanently worse than expected?

If you have answered ‘yes’ three times, investing for a variable pension may be something for you. But if you have answered ‘no’ three times, investing for a fixed pension may be a better option.


You will find personal information about your pension at Mijn StiPP Pensioen.









Are you choosing a variable pension benefit?

StiPP works with the intermediary Apple Tree. On their website you can see what variable pension benefit you can purchase with the pension capital you have accrued. 


If you have any questions about a variable pension benefit or need any help with choosing an insurer, Apple Tree will be glad to help you.


You can tell StiPP from which insurer you want to purchase your variable pension up to one month before your chosen retirement date.



  • You can only purchase a variable pension benefit from most insurers if your accrued pension capital is more than €25,000. 
  • At StiPP you can only purchase a fixed pension benefit with your pension capital.







Tell us your choice as follows


Six months before you reach the age of 67 we will notify you that you can apply for your pension. You do this in Mijn StiPP Pensioen. Read how this works here.










View and update personal details

  • Your pension statement shows you how much pension you have accrued. You receive this statement by post or email between May and September each year.

  • Use your DigiD to log in to Mijn StiPP Pensioen.
    You will find all your personal pension information in one place here. You can also update your details here.

    No DigiD yet? Apply for your DigiD










Has your email address changed?
Are you planning to move abroad or change your address abroad?


Tell us PROMPTLY at Mijn StiPP Pensioen or use our contact form!

Then you will receive all our notices about your StiPP pension.


The municipality notifies us automatically of changes of address in the Netherlands. There is no need for you to tell us about them.



Pension 1-2-3 tells you what you do and do not receive under our pension scheme.