PME intends to switch to the new pension rules on 1 January 2027. From that time onward, a new pension scheme will apply. Some things will change. Things that worked well will be kept as they are. 

Monthly contributions stay the same
You and your employer contribute money for your pension every month. You can see your share on your payslip. Under the new scheme, your contributions will remain the same for at least the first few years. Together with your employer, you will be setting aside just as much for your pension as you do now.

We will continue to invest for your pension
We will continue to invest the monthly contributions. After all, investing yields a higher return in the long term than saving.

A lifetime pension and state pension
You will receive a state pension from the government and your pension from PME for as long as you live, even if you live to well over a hundred years.

You will make your own choices
Did you know there are many options to choose from? For example, you can choose to retire before, on or after your state pension age. You can also choose to receive a higher pension first and then a lower pension for the rest of your life. Would you like to know more? Visit pmepensioen.nl/en/options-upon-retirement.

Your pension can go up or down once a year
When you receive a pension from us, the amount can only go up or down once a year. Just like now.

Security for your family
If you pass away, your partner will receive a monthly partner’s pension from us, and your children will receive a monthly orphan’s pension until they turn 25 years. 

Security if you are no longer able to work
If you are unable to work, you will continue to accrue a partial pension, subject to certain conditions. In this case, you no longer need to pay monthly contributions yourself. We will do that for you. The amount that PME pays will depend on the degree of your occupational disability.

Standing strong together
Gains and losses will be shared collectively, as well as major risks, ensuring pensions remain fair and affordable for everyone.

You will have a pension pot
After the switch, you’ll have your own pension pot. This will include your and your employer’s monthly contributions and the profit or loss from investing. When you retire, your monthly pension will be paid from your pension pot. Good to know: the money in your pension pot cannot run out. You will always receive a pension, no matter how old you become.

Taking your age into account
The new scheme will allow us to take your age into account better. If you are still young, we will take more risk when investing, because this will yield more money, over time. The older you are, the less risk we will take. This means you have greater certainty about the amount you’ll receive when you stop working. 

A pension based on contribution agreements
PME will switch to a contribution scheme. Under such a scheme, employees and employers in our sector agree on how much money goes to your pension pot, rather than on how much pension you will ultimately receive. There are therefore no guarantees regarding the amount of your pension under the new scheme. What you receive will depend on the contributions, the return on the investments, the interest rate and average life expectancy.

A pension that can increase more easily
When you receive a pension from us under the new scheme, your pension can increase more easily than it can now. One of the reasons for this is that we will no longer be obliged to maintain big buffers. Windfalls are therefore more likely to end up in your wallet.

A pension with additional security
Your pension can also decrease. Fortunately, several measures will be in place to protect your pension. As a result, the risk of falls is likely to be limited, though they can never be ruled out entirely. In exceptional situations, your pension may decrease significantly.

Changes to the partner’s and orphan’s pensions
Under the new scheme, the partner’s pension will work differently, in the event of your death before retirement. The same applies to the orphan’s pension for your young children.

Shift work allowance will now count towards your pension
Do you work shifts? If so, from now on you will also accrue pension on your shift work allowance. This will happen in annual increments. After five years, the collectively agreed shift work allowance will count in full towards your pension. As a result, your net salary may be slightly lower. Are you already accruing pension on your shift work allowance? If so, this can remain the same. ●