How certain is your pension?



The amount of your pension is not fixed in advance. You will only have certainty regarding the amount of your pension on your retirement date. This is because your pension depends on the amount of your defined contribution, the rate that insurers apply during the purchase of your pension, and the return on your investments.

Insurers base their rates on a number of factors, including:

  1. the interest rate
  2. the life expectancy of people
  3. reimbursement of the costs they incur

For more information about the final amount of your pension, please refer to Mijn Pensioencijfers and


More information

The regulations set out precisely what you will receive in our pension scheme. The regulations can be downloaded here (in Dutch).