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 But now it is outdated.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
- Your pension capital will be retained and 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.
- You can decide for yourself whether you want to retire earlier, on the retirement date, or later.
- You can decide for yourself whether to use part of your pension capital to insure a partner's pension.
- When you retire, you will continue to receive monthly pension from StiPP for as long as you live.
- The state pension through the government remains.
This is what is changing
- 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 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.
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.