{"id":7887,"date":"2024-02-09T12:24:28","date_gmt":"2024-02-09T10:24:28","guid":{"rendered":"https:\/\/robeco.catapult.dev\/aanvullende-regelingen\/"},"modified":"2026-06-22T11:47:28","modified_gmt":"2026-06-22T09:47:28","slug":"top-up-schemes","status":"publish","type":"page","link":"https:\/\/pensioenfondsrobeco.nl\/en\/top-up-schemes\/","title":{"rendered":"Top-up scheme"},"content":{"rendered":"
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Top-up scheme<\/h1><\/header> <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div> \r\n <\/div>\r\n
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In addition to the basic scheme,
\nwe also have a top-up scheme<\/h2>\n

This is an individually available premium scheme, through which you build up a capital to purchase a pension benefit upon retirement. Depending on your salary level, you can participate in the gross top-up scheme.<\/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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Is your salary above the threshold amount of the basic scheme (\u20ac89,233 ), you will be entitled to a top-up premium. Robeco pays a percentage of the top-up base in the form of a premium. The top-up base is that part of your salary that exceeds the maximum. The premium percentage depends on your age on April 1.<\/p>\n

You can use a part of this premium to accrue a pension under the top-up scheme (once a year via MyHR you can also opt to add the premium to your gross salary). Up to a pensionable salary of \u20ac 137,800 you can participate in the gross top-up pension.<\/p>\n

Net top-up scheme discontinued<\/strong>
\nIf your salary is above the statutory limit of \u20ac137,800 (2026), you can no longer build up pension capital in the net top-up\u00a0 scheme on the part above that limit from 1 April 2024. The employer quit this scheme and the pension fund made a collective value transfer of the accrued net pension capital to A.S.R. If your salary is above \u20ac137,800 (2026), you will be paid the premium for that part as salaryom 1 April 2024.<\/p>\n

You will still be insured for net survivor’s pension from 1 April 2024 only no longer through the pension fund. The employer has transferred this insurance to A.S.R. as of that date.<\/p>\n

Defined contribution<\/strong>
\nThe supplementary scheme is a defined contribution scheme (also known as a ‘contribution agreement’). This means you don’t build up an entitlement to a pension based on your salary. Instead, you can pay in contributions towards building up your pension. The percentage you can pay in yourself is lower than the contribution Robeco makes available. The option to make additional contributions is capped for tax purposes at a pensionable salary of \u20ac137,800. Your contributions are deducted from your gross salary.<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Age on April 1.<\/strong><\/span><\/td>\nGross contribution percentage*<\/strong><\/span><\/td>\n<\/tr>\n
21 t\/m 24 years old<\/td>\n5.1%<\/td>\n<\/tr>\n
25 t\/m 29 years old<\/td>\n6.1%<\/td>\n<\/tr>\n
30 t\/m 34 years old<\/td>\n7.4%<\/td>\n<\/tr>\n
35 t\/m 39 years old<\/td>\n8.9%<\/td>\n<\/tr>\n
40 t\/m 44 years old<\/td>\n10.8%<\/td>\n<\/tr>\n
45 t\/m 49 years old<\/td>\n13.0%<\/td>\n<\/tr>\n
50 t\/m 54 years old<\/td>\n15.7%<\/td>\n<\/tr>\n
55 t\/m 59 years old<\/td>\n19.1%<\/td>\n<\/tr>\n
60 t\/m 64 years old<\/td>\n23.2%<\/td>\n<\/tr>\n
65 t\/m 66 years old<\/td>\n27.3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

* % of your salary above the basic scheme threshold, up to a maximum of \u20ac 137,800.<\/em><\/p>\n

At age 67, the capital accrued under the top-up scheme is converted into a retirement pension or into a retirement and partner pension. Up to your retirement date, you as participant carry the investment risk. The final value of your pension depends on the value of the deposited premiums, the return on investments and the interest rate at the point in time when the capital is converted into pension\u00a0benefits.<\/p>\n <\/div>\n <\/div>\n