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Following years of debate, the Dutch Senate has now also approved the pension system reform. The reform aims to make your pension both more understandable and a better match for today’s society.

We will start taking steps to introduce the new system from July 1, 2023. PDN must have switched to the new pension scheme by January 1, 2028, at the latest.

Video: Why new pension regulations?

Click on the animation to view the video (only in Dutch).

Three reasons for the new pension regulations

1. Clearer and more personalized pension
Many people find that it is currently unclear how much they pay for their pension and how much they accrue. We’re switching from one pot per pension fund, from which everyone claims their entitlement, to individual pension pots.

2. Pensions can increase more quickly than now
Currently, if things go well with the economy, the pension you hold via your employer sometimes doesn’t increase. That doesn’t feel fair. The new regulations ensure that your pension changes with the economy: If things go well with the economy, your pension can increase more quickly. If the economy takes a turn for the worse your pension could also decrease. 

Measures have been taken to prevent major impact from stock markets on your pension and to smooth out increases and decreases. Lower risk investments will be made for older people who are close to pension age. This means that they won’t see their pension fall so sharply in a poor investment year. A younger employee has more time to absorb any downturns in investments. We will also retain a reserve to enable us to cushion the impact of adverse years.

3. Pensions will better match your career
People change jobs more often, stop working for a time, or start working for themselves. The current pension regulations are not a good match for this, which is why new regulations are being introduced. If you no longer accrue pension via an employer or you have a different pension scheme, you’ll soon be able to see more clearly what this means for the value of your pension.

How will this affect me?

You cannot take any action yet. The Pension Agreement is currently being drawn up by the Dutch government and the social partners. The employer and the labor unions are going to decide on the future of the PDN pension scheme. The PDN Board also still has to make decisions.

Click on the animation to see what the new pension system means for you.



We see it as our main task to continue to provide you with a good pension, now and in the future.

More information

Click on our Pension Agreement tile.