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 But now it is outdated.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 keep your pension capital with StiPP. This amount will be transferred to the new pension scheme. 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.
- The partner's pension that you accrued when you were a participant in StiPP will be retained. If you die before you retire, this partner's pension will be paid to your partner. Do you have children? Then there is also an orphan's pension.
This is what is changing
- From two schemes to one
The two current schemes (Basic and Plus) will be terminated and replaced by one scheme for all StiP participants. - A variable pension benefit
In the new scheme, you can only opt for a variable pension benefit with little investment risk. Do you want a fixed pension benefit or a variable pension benefit with more investment risk? Then you can arrange this with other providers. - Preventing lower pension
Your pension benefit will depend on investment results and life expectancy. 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 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. - 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.