We asked members and pensioners how they would like to be informed about the new pension scheme. They indicated that they would like to know more about the amount of their pension as soon as possible. This calculation example helps. For this 'example person' you will always see two amounts: the pension under the current scheme and the pension under the new scheme. This will give you an idea of how the new scheme will affect your pension. These amounts are examples and therefore differ from your personal situation. Be sure to check out the other example persons. 

Gross amounts have been chosen so that you can compare the amounts with the Uniform Pension Overview (UPO) you receive every year. We also list gross amounts in the preliminary calculation, which you will receive in October or November 2025. We cannot say with certainty what the net amounts will be at this stage. This depends on several factors. For example, when you retire. But also whether you have other income. 
  
In the calculation examples, some amounts take into account purchasing power. The expected income takes inflation (price increases) into account. This gives a better idea of what you can actually buy at the time you start receiving pension income. 

No, that does not happen. We fully understand that you don’t want to be surprised by fluctuations in your income. That is why we adjust pensions no more than once a year. You will be informed of this in good time so that you know where you stand. 

The likelihood of a reduction is lower under the new pension scheme. However, it is never impossible. For example, if the economy is unfavourable for many years in a row. Our goal is to minimise the need for reductions. To this end, we are adopting a number of measures: 

1. We invest carefully for everyone. We do so in different types of investments and regions around the world. We invest partly in equities, but we also invest in government bonds and real estate, for example.
2. We invest differently for each age group. For example, we take less risk for pensioners and those nearing retirement.
3. We build up a buffer: the solidarity reserve. We build this up in more favourable times so that we can absorb or mitigate a pension fall in less favourable times. 
4. We spread the impact of economic fluctuations over three years. If it is necessary to reduce pensions, this will therefore not take place in one go. 

You will continue to receive your pension for as long as you live, just as you do now. We will ensure there’s always a pension for you, no matter how old you get to be. 

In making the calculation examples, we opted for larger recognisable groups. If you do not fall into one of these groups, we unfortunately do not have a calculation example for your situation. You will receive a preliminary personal calculation from us in October or November this year. This preliminary calculation is based on your own data and shows what your pension will be in the new scheme. Good to know: our customer service team is currently unable to provide personalised calculations or explanations. This can only be done after you have received this preliminary calculation in October or November.  

Do you want to know more about the new pension scheme? Take a look at www.koopvaardij.nl/en/newpension. Here you will also find a timeline.