The Netherlands will have a new pension system. StiPP will also have a new pension scheme. You will switch to this new scheme on 1 January 2026 . Much remains the same, but there are also some changes.
Why a new pension system?
The old pension system worked well for years. But now it is outdated. That is why the trade unions, employers and the government have jointly drawn up new rules for pensions. The aim is to make the pension system more open, personal and future-proof for you.
This remains the same
- You will continue to accrue pension with StiPP as long as you work as a temporary worker or secondee.
- The state pension through the government remains.
- You keep your pension capital with StiPP. Pension capital is the money that you and your employer save for your pension. When you retire, your pension will be paid monthly from this amount. Your pension capital will be transferred to the new pension scheme.
- Your partner and children are entitled to a survivor's pension.
- The capital accrued for your partner and/or children up to 31 December 2025 will remain available for partner's and orphan's pension. If you die before you retire, this will be paid to the next of kin.
This is what is changing
- Accruing more pension
You are going to accrue more pension. That is why your premium will go up. You pay the premium together with your employer. You pay 7.5%. The remaining 15.9% is paid by your employer. - From two schemes to one
The two schemes in the current scheme (Basic and Plus) will be terminated and replaced by one scheme for all StiPP participants. - Premium exemption in the event of incapacity for work
If you become disabled and meet the conditions, you will continue to accrue pension. StiPP then continues to pay (partially) the pension premium. This is currently only the case in the Plus scheme. - There is a risk-based partner's pension
Do you die before you retire? Then in most cases your partner will receive a lifelong partner's pension. Are you stopping accruing pension with StiPP? Then you will receive 3 months of coverage for the partner's pension. You can extend the coverage for the partner's pension yourself to 15 years. - Your children are entitled to an orphan's pension
If you die, your children will receive an orphan's pension until they are 25 years old. This was 18 years in the current scheme. Are you stopping accruing pension with StiPP? Then you will receive 3 months of coverage for the orphan's pension. You can extend the coverage for the orphan's pension yourself up to 15 years.
Particularities in 2026
- One-off increase in your pension
We expect that everyone who has a pension capital with StiPP will receive an increase in this pension capital in 2026. The amount needed for this comes from StiPP's fund assets. This is therefore only possible if StiPP's financial situation is good enough on 1 January 2026. - Are you over 59 years old?
Then you are expected to receive an extra amount once in addition to your pension capital when you transition to the new pension scheme. We call this compensation. This is because we expect you to accrue less pension capital in the new scheme than in the current scheme. The compensation comes from StiPP's fund assets. This is therefore only possible if StiPP's financial situation is good enough on 1 January 2026. - Are you over 60 years old and incapacitated for work?
Even then, when you transition to the new pension scheme, you will receive an extra amount once in addition to your pension capital. We call this compensation. This is because we expect you to accrue less pension capital in the new scheme than in the current scheme. The compensation comes from StiPP's fund assets. This is therefore only possible if StiPP's financial situation is good enough on 1 January 2026. - No value transfer
During the transition to the new pension scheme, it is possible that the value transfer of your pension is temporarily halted because one of the pension funds has already been converted and the other has not. Once both funds have been converted, your pension can still be transferred.
How much is your pension?
Would you like to know more about your pension or your pension with StiPP?
- On My StiPP Pension you will find your personal pension page for your pension with StiPP.
- On mijnpensioenoverzicht.nl you will find an overview of the total pension you have accrued and the expected pension amount after retirement. Including the state pension.
Update your details
You will receive general and personal information about the new pension scheme in 2025. That is why we need the correct information from you, such as your e-mail address. Therefore, check whether your (correct) e-mail address is known to us on My StiPP Pension.
Frequently asked questions
Do you have questions about the new pension scheme? Read the answers to frequently asked questions. Or view the planning & plans.