Your pension is about to start or has already started

A milestone in your life. Your daily rhythm changes, and so does your income. From now on, you receive pension instead of salary. Since this is the financial foundation for your future, it’s important to understand how it works. This will ensure you are well prepared for what lies ahead.

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PDN Wilma Spaanse les 4 K

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Lifetime monthly payment What can you expect? Could my pension decrease?

Lifetime monthly payment

You receive pension every month. You can always check how much on My PDN Pension. 
Your pension is from your pension pot, a pot that never runs out. If you live a long life, your pension pot is automatically supplemented. This is possible because everyone with a pension with Pensioenfonds PDN contributes to this system.

Your pension will change in line with the economy

Pensioenfonds PDN invests your pension pot and aims to achieve a good balance: sufficient return to keep up with inflation, with as little risk as possible of your pension decreasing.
Each year, PDN reviews how your pension pot has developed and what this means for your monthly payment.

What can you expect?

You receive an overview showing the pension payments you can expect in the coming year and the years after. Because the future is difficult to predict, the overview shows your pension in three different scenarios:

  1. Expected: This is the pension you are expected to receive.
  2. Bad weather: This is the pension you may receive if the economy is doing poorly for an extended period;
  3. Good weather: This is the pension you may expect if the economy is doing well.

Is there a risk of my pension pot decreasing?

That is possible, if the economy takes a downturn for an extended period. The change of this happening is small. Pensioenfonds PDN has several ways to ensure your pension’s stability:

  1. Responsible investing: balancing sufficient return with as little risk as possible of your pension decreasing.
  2. Shock-spreading: PDN spreads financial setbacks over 3 years, so your pension cannot suddenly drop sharply. This also applies to windfalls.
  3. The solidarity reserve: if economic conditions are so unfavourable that pension payments must decrease despite shock-spreading, PDN uses this reserve to supplement your pension.