In our new pension scheme, you build up pension assets. That’s different from how you have built up pension until now. What are pension assets? And what exactly is different about them? This page tells you more.
From pension entitlement to pension assets
In the current pension scheme, arrangements have been made about the amount of your pension. Or, in other words, about how much pension you will receive when you retire. We call this your 'pension entitlement'. That is the current situation at Bpf Koopvaardij.
Under the new pension scheme, there are arrangements for the amount of money (the contributions) that you and your employer contribute, but not about the amount of your pension. The contributions that you and your employer make go into your 'pension assets'. This is a pot of money specifically for your retirement. We invest your pension assets so that they can grow. What will happen when you retire? Then we will pay your monthly pension from your pension assets. You will receive this pension for as long as you live, just like now.
How your pension will move in future
Your pension will move more in line with the economy. If the economy is doing well, then your pension assets may increase. If it is doing less well, then they may decrease. The older you get, the less risk we take when investing for your pension. That way, we ensure the most stable pension possible when you have (almost) retired. When you retire, we calculate how much pension you will receive each month based on your pension assets. That amount is adjusted – no more than once each year – based on the investment returns that are achieved. The rest of the year then remains the same. We fully understand that you don’t want to be surprised by fluctuations in your income. Important to know: in the new pension scheme, you will receive a pension for as long as you live, just like now.
Pensions will remain a collective endeavour
In the merchant navy sector, we continue to arrange pensions carefully and together, both now and later. Here’s how we do it:
- We share risks with each other, such as in the event of occupational disability or passing away.
- We keep costs down by investing together.
- Everyone working in the merchant navy sector builds up a pension at Bpf Koopvaardij.
Where can I find my pension assets?
In the final quarter of 2025, we will send you a preliminary calculation of your pension from 1 January 2026. What if you are still building up a pension? Then you will also be able to see how much your pension assets are. The amounts can also be found in My Koopvaardij. Please note that these are provisional amounts. We will convert all pensions in the first few months of 2026, including your pension. We do so carefully and that takes time. From the spring of 2026, you will receive a statement from us with your new pension amounts. You will then also see them in My Koopvaardij.
Find out more
You can find more information about our new pension scheme at New pension system. If you have any questions, we will be happy to assist you. Please feel free to contact us.