A closer look at your own pension pot

Under the new scheme, you will have your own pension pot. But what’s in it?

Value of your accrued pension
This is the amount you have accrued under the old scheme, plus the compensation you may receive and the money we will be able to distribute if our financial health is good enough at the time of the switch.

Contributions from you and your employer
Every month, you and your employer contribute money towards your pension. Most of that contribution goes into your pension pot. Good to know: part of the contribution also goes towards a partner’s and orphan’s pension. We will also use your contribution to ensure that your pension accrual continues partly if you are occupationally disabled. Another small part will go to mandatory reserves and costs.

Return on investment
We will invest the money in your pension pot. If the results are good, the value of your pension pot will increase. If the results are poor, the value of your pension pot will decrease.

Your monthly pension
(once your pension has started)
Once you have retired, you will receive your monthly pension from your personal pension pot.

Money from the solidarity reserve
The solidarity reserve is a buffer that enables us to cope with setbacks collectively. This provides greater stability and security – now, and especially once you have retired.

Question for the pension consultant
DIANA VERSCHUREN

If the value of my pension pot decreases, will my expected pension also decrease?

‘Not necessarily. Your expected pension depends not only on your pension pot but also on the interest rate and how long people live on average. That is why, in addition to your pension pot, we will always show you your expected pension. To see this, go to pmepensioen.nl and log in to your account.’