{"id":10356,"date":"2024-10-07T14:11:53","date_gmt":"2024-10-07T12:11:53","guid":{"rendered":"https:\/\/pensioenfondsrobeco.nl\/?page_id=10356"},"modified":"2026-02-04T11:32:13","modified_gmt":"2026-02-04T09:32:13","slug":"existing-rights","status":"publish","type":"page","link":"https:\/\/pensioenfondsrobeco.nl\/en\/new-pension-scheme\/existing-rights\/","title":{"rendered":"Existing rights"},"content":{"rendered":"
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Existing rights<\/h1><\/header> <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div> \r\n <\/div>\r\n
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\"pensioenfonds_robeco_1-9-aspect-ratio-1290-332\"<\/div><\/div>
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Current pension rights will move to the new flexible scheme.<\/h2>\n

This means that everyone will take their pension provision with them as built up in the current basic scheme, plus part of the buffers.<\/h4>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div> \r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n<\/div>\n\n
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The pension fund’s collective buffer, which belonged to all members together, is distributed according to individual pension capitals. In distributing it, the pension fund took as its starting point that the rules in the current scheme, are the most balanced starting point for distributing the buffers.<\/p>\n

Step 1: granting supplements
\n<\/strong>First, all participants are granted the expected future supplement (indexation), which the pension fund would grant in the old scheme this would continue to exist. Then, a catch-up supplement (catch-up indexation) is granted to the participants who are still in arrears in this respect. We expect to need a funding ratio of around 130% for this.<\/p>\n

Step 2: compensation where necessary
\n<\/strong>If these ambitions from the old scheme are met, the pension fund wants to compensate active members who risk losing out due to the transition to equal contributions for all. The existing \u2018average system\u2019 will be abolished. Active participants older than 45 years at the time of entry could be adversely affected. Compensating for this will cost around 1% funding ratio point. On the new scheme project website, you will find a separate Q&A about compensation.<\/strong><\/a><\/p>\n

Step 3: Additional increase if possible
\n<\/strong>If there is room, everyone gets an additional increase in proportion to his\/her provision.<\/p>\n

The pension fund is now in good shape
\n<\/strong>The funding ratio is now around 150%. We don’t know how high the funding ratio will be at the time of boarding, but pension fund is trying to mitigate the risk of the funding ratio falling sharply. To this end, a put option has been bought to absorb any fall in the equity portfolio. And the pension fund has increased the interest rate hedge on the liabilities to 100% to limit the impact of any interest rate falls. In this way, we are trying to keep the funding ratio as high as possible. There are still scenarios possible that the funding ratio falls, but there is now a reasonably high degree of protection.<\/p>\n

Current gross supplementary scheme also passes
\n<\/strong>This is already a premium scheme. These members also get a share of the buffers.<\/p>\n

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See what the pension benefits are like when you retire<\/a><\/p>\n <\/div>\n <\/div>\n