Being in retirement

Your pension and tax

You will receive your pension payment from StiPP each month. This is your gross pension. You pay tax on it. The amount you eventually receive in your bank account is your net pension. This is the amount you can spend.

StiPP automatically deducts the following taxes from your gross pension:

• Income tax and national insurance contributions
• Healthcare Insurance Act contribution

StiPP only applies the income tax and national insurance contributions credit if you have applied for it yourself.

Annual statement for tax return

You will receive an annual statement from StiPP showing:

• a breakdown of your pension payments
• all the details you need for your tax return

Dependant's pension?

On your retirement date you will have decided whether or not to include dependant's pension. The choice you made on your retirement date is fixed. You cannot change it. 

• Did you decide to include dependant's pension? 
  Your partner and children below the age of 25 will receive a dependant's pension if you die.
  
  
• Did you decide not to include dependant's pension?
  Your pension will stop when you die. Any dependants you have will not then receive any pension.

Who does StiPP consider to be your partner?

You were accruing pension benefits in the Basic Plan (end date 1 January 2026) and

• you are married
• you have a registered partnership

You were accruing pension benefits in the Plus Plan (end date 1 January 2026) and

• you are married
• you have a registered partnership
• you are officially cohabiting and at the time you retire you have been living with your partner at the same address for a minimum of six months

You were accruing pension benefits in the StiPP Pension Plan (start date 1 January 2026) and

• you are married
• you have a registered partnership
• you are officially cohabiting and at the time you retire you have been living with your partner at the same address for a minimum of six months
• you cohabit and share a joint household and at the time you retire you have been living with your partner at the same address for a minimum of six months

What if prices rise?

StiPP pays a variable pension with less investments risk. Therefore the amount of pension can change each year. If prices rise, you can buy less with this amount. This is called inflation. StiPP cannot guarantee whether your pension will increase by the inflation rates. In poor times, StiPP could decrease your pension. 

When will StiPP pay your pension?

Below you can see the dates on which StiPP will transfer your pension to your bank account. When the money is actually in your account varies from one bank to another.

Payment dates in 2024     

TO DO

‘Certificate of Existence’ if you live abroad

Do you live abroad? Please send us the ‘Certificate of existence‘ to us each year. You can do this using our contact form.

Have one of the bodies below complete and sign this certificate:

• The municipality
• A civil-law notary
• The police
• The Office for Social Affairs (Surinam, Antilles)
• Justice of the Peace
• The Commissioner for Oaths (United Kingdom, Canada)
• The Public Centre for Social Welfare (Belgium)

Note:
If StiPP does not receive a ‘Certificate of Existence’ from you, it cannot pay out your pension.

TO DO

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

TO DO

Important!

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.