The pension schemes
Three retirement pension schemes
Building pension at the Robeco Pension Fund is done through complementary schemes, which is called a hybrid scheme.
All employees with Robeco participate in the Robeco pension scheme and accrue a pension. Accrual stops at the age of 67, or if you retire early, die, or leave Robeco.
The principal elements included in the Robeco pension scheme are:
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- Retirement pension accrued under the basic scheme
- Retirement pension accrued under the top-up scheme
- Dependents pension
- Disability
Pension accrual is not based on your full salary, since you will also receive a government pension (AOW) when you retire, and part of your salary will therefore not be included in your pension calculation. This part is referred to as the franchise. The franchise in the Robeco pension scheme will amount to €19,172 from 1 January 2026.
For the portion of your fixed salary (including 13th month) up to the threshold amount for the basic scheme (€88,175, €89,233 from 1 April 2026) pension is accrued under the basic scheme (average-salary scheme). The portion of your fixed salary (including 13th month) above the threshold amount for the basic scheme, accrues pension under the top-up scheme (defined-contribution scheme).
The board fixes the franchise amount annually. The threshold amount for the basic scheme is determined annually by the social partners (employers and works council).