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Are you planning to retire around 2026?

Bpf Koopvaardij plans to switch to a new pension scheme on 1 January 2026. This has implications for applying for your pension. You can read more about it on this page.

Retiring before 1 January 2026

Are you retiring in 2025? If so, you will simply receive your pension this year based on the current scheme. Even in the first months of 2026, you will still receive a pension under the current pension rules. We will then be carefully converting all pensions. From spring 2026, you will receive a pension under the new pension rules. You will be notified of this by then. If you receive less pension than you are actually entitled to under the new scheme in the first few months of 2026, we will refund the difference to you.

Retiring after 1 January 2026

Are you applying for your pension this year but will not retire until 2026? If so, you will still receive a pension under the current pension scheme in early 2026. During this period, we will be carefully converting all pensions to the new scheme. From spring 2026, you will receive a pension under the new rules. You will then receive a message from us about this. If you temporarily receive a lower amount than you are actually entitled to, we will refund the difference.

Apply for your pension in good time

Due to the transition to the new scheme, we will be temporarily unable to process pension applications in the first few months of 2026. Do you want to retire around that time? If so, apply for your pension by 1 November 2025 at the latest. If you are applying for your pension in the pension planner on My Koopvaardij, please note that the amounts shown there are based on the current scheme. In the first few months of 2026, we will calculate your pension again, but based on the new rules. Your final pension may be different as a result.

Go to My Koopvaardij

Receiving your pension in a lump sum

Have you received a letter from us stating that you can receive your pension in a lump sum? If so, here is some useful information. You can apply for your pension now.

  • Are you retiring before 1 January 2026? If so, we will process your application and calculate your pension according to the current rules.
  • Are you retiring after 1 January 2026? If so, you can send your application in advance. However, we will not process your application until spring 2026.
  • Are you retiring in 2026? If so, we will know exactly how much your pension will be in the spring of 2026. What if this amount remains below the statutory commutation limit (that is the maximum amount that we are permitted to pay out in a lump sum)? If it does, you can still receive your pension in a lump sum. What if it exceeds the commutation limit? In that case, you will not receive your pension in a lump sum, but you will receive a monthly pension.

Frequently asked questions

This depends on your personal situation. This is because the old and new pension schemes are difficult to compare. We list the main differences for you below:

Are you retiring before 1 January 2026?

  • If so, you will retire in the scheme currently in force.
  • Your pension starts earlier, but it also means:
    - you have a shorter pension build-up period;
    - we pay pension to you for longer;
    - you might miss out on compensation.
  • This may result in a lower pension.

Are you retiring after 1 January 2026? 

  • If so, you will retire under the new pension scheme.
  • Your pension starts later, but it also means:
    - you have a longer pension build-up period;
    - we pay pension to you for a shorter period;
    - you may be entitled to compensation.
  • As a result, you are likely to get a higher pension. Your pension before 2026 will be included in the new scheme 

Are you retiring before 1 January 2026? 

If so, you will first receive pension under the current scheme. But note that this pension will also be converted to the new rules later. You will then keep roughly the same pension as before the transition to the new rules. If our funding ratio remains the same as it is now, we even expect to be able to increase your pension. Subsequently, we will determine your pension every year.

Important to know: In the first few months of 2026, we will be temporarily unable to process new pension applications. If you wish to retire before 1 January 2026, please submit your application by 1 November 2025 at the latest.

Yes, you will still have the same pension options in the new scheme. You can:

  • choose when to retire
  • opt for a high-low occupational retirement pension
  • exchange your pension (occupational retirement pension to additional partner's pension or vice versa).

If you apply for your pension after 1 November 2025, we cannot guarantee that your pension can start on the date you wish to retire. Therefore, apply for your pension before 1 November.

No. Not always. The amounts you now see in the pension planner have been calculated using the rules that currently apply. In the first few months of 2026, we will recalculate your pension based on the new scheme. As a result, the final amount may be different. We will inform you of the amount in the spring of 2026.

Do you wish to know more?

This page contains what we can tell you now. If we have new information, we will update this page. You can read more about our new pension scheme at New pension system. Do you have any questions? If so, we will be happy to assist you. Please feel free to contact us.