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What if things go better or worse than expected?

What will happen to your pension if the economy performs well, or alternatively, very poorly for an extended period of time? Starting this year, you will see that estimate in your Uniform Pension Overview (UPO) for the first time. Since the end of last year, this was already visible on mijnpensioenoverzicht.nl.

Your UPO provides an estimate of your pension with our fund in case of positive or negative future developments. This is shown in an illustration with three arrows, originating together from one point. The bottom amount is not an estimate. This is the pension that you have accrued with our fund to date. The top three are an estimate of the pension you would appear to end up with in various situations:

  • The expected final result
    This is shown at the top centre. This is the pension which you would currently appear to end up with. At this time, there is a 50% chance that your pension will be smaller and a 50% chance that your pension will be bigger than this amount.
  • If things go better than expected
    Next to the right-hand arrow, you will see the amount that you would appear to end up with if the economy performs much better than expected. At this time, there is little chance (5%) of you ending up with a larger amount than indicated on the right.
  • If things go worse than expected
    Next to the left-hand arrow, you will see the amount that you would appear to end up with if the economy performs much worse than expected. At this time, there is also little chance (5%) of you ending up with a smaller amount than indicated on the left.

Mijnpensioenoverzicht.nl

If you log in on mijnpensioenoverzicht.nl, you will also see your estimated pension in three different scenarios. This estimate is based on your total pension, i.e. including any other pension funds and your state pension (AOW).

Want to read more?

More information about your estimated pension if things go better or worse than expected can be found on our website. You can also read the frequently asked questions on this subject. If you have any other questions, please feel free to contact us.