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 But now it is outdated.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
- The state pension through the government remains.
- You will continue to receive monthly pension from StiPP for as long as you live.
- As is the case now, your pension will be in your account no later than the 24th of the month.
This is what is changing
- From a fixed pension to a variable pension
At the moment you will receive a fixed monthly amount. This amount will be variable in the new pension scheme. The payment will depend on investment results and life expectancy. As a result, your pension may increase or decrease each year. This will be possible for the first time in 2027. You will always be notified if this happens. - Preventing lower pension
To prevent your pension from being lowered, we keep a reserve: the risk-sharing reserve. This reserve is intended to prevent a reduction in your pension benefit as much as possible.
Particularities in 2026
- One-off increase in your pension
We expect everyone who receives a pension from StiPP to receive an increase in pension 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.
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.
- Did you retire after 2018? Then you will find an overview of the total pension on mijnpensioenoverzicht.nl . 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.