Now you pay your expenses with your salary. Later when you are retired, you pay your expenses with your pension. So whether you get enough pension later depends very much on your desired expenses. If you already have an idea of your expenses later, you can compare that amount with the pension you are likely to get.

Don't yet have an idea of your expenses later?

Compare the pension you will get net with your current net salary. You can find your net pension at www.mijnpensioenoverzicht.nl. Don't forget that - in addition to the pension from Nedlloyd Pension Fund, you will also receive AOW and perhaps a pension from your previous employers. At www.mijnpensioenoverzicht.nl you can also see exactly from whom you get how much.

You probably prefer not to think about it. Yet it's good to think about it right now. How will your partner be left behind financially when you pass away? Your income falls away, while the mortgage, utility bills, groceries and other fixed expenses simply have to be paid.

Through the pension fund a benefit is arranged for your partner. On your UPO you will see at "What will your partner receive when you pass away" the amount your partner will receive for the rest of his or her life when you die.

On the UPO, under "How much pension have you accrued" you will see the pension you are expected to receive when you retire. The pension amounts are gross per year. You choose when you retire. If you want to retire earlier, your pension will be lower. The rule of thumb is that your pension will be about 7% lower if you retire 1 year earlier. 

Are you worried about whether you will be able to keep working until your retirement target date? Or do you expect the loss of income to be too great if you stop working earlier?

Then part-time retirement may offer a solution. You will work a little less and receive a portion of your pension in advance.

Your pension can go up or down due to various developments beyond your control. To give you more insight into this, since 2020 you will find three scenarios on your UPO. We recalculate the amounts you see there each year on the basis of inflation, interest rate developments and investment returns. The rules for making the calculations are determined by De Nederlandsche Bank.

Your UPO is based on the information known to us on January 1. It is possible that something has changed in your personal situation after January 1. These changes are not processed on your UPO of this year. They are only visible on your UPO of next year.

The UPO shows your pension on January 1. Because of this, you will not see changes made after January 1. In the pension planner you will see the current status of your pension.