{"id":8529,"date":"2024-02-01T15:05:45","date_gmt":"2024-02-01T13:05:45","guid":{"rendered":"https:\/\/robeco.catapult.dev\/hoe-werkt-pensioen-algemeen\/"},"modified":"2024-04-09T08:41:20","modified_gmt":"2024-04-09T06:41:20","slug":"how-does-pension-work","status":"publish","type":"page","link":"https:\/\/pensioenfondsrobeco.nl\/en\/how-does-pension-work\/","title":{"rendered":"How does pension work?"},"content":{"rendered":"<div class=\"contentblok header has_content\" id=\"block_acf-block-6614e30f1b27f\">\n    <div class=\"header_top d-flex flex-column verloop-blauworanje\">\n                        <div class=\"breadcrumbs\" data-aos=\"fade-in\" data-aos-delay=\"100\">\n                    <div class=\"container\">\n                        <div class=\"row\">\n                            <div class=\"col-12 col-md-10 offset-md-1\">\n                                <p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/pensioenfondsrobeco.nl\/en\/\">Home<\/a><\/span><\/span><\/p>                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                        <div class=\"header_titel\" data-aos=\"fade-in\" data-aos-delay=\"100\">\n                <div class=\"container\">\n                    <div class=\"row\">\n                        <div class=\"col-12 col-md-10 offset-md-1 tekst-white\">\n                            <header><h1>How does pension work?<\/h1><\/header>                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div> \n                                    <\/div>\n    <div class=\"header_bottom\" data-aos=\"fade-in\" data-aos-delay=\"400\">\n        <div class=\"header_afbeelding\"><div class=\"container\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/pensioenfondsrobeco.nl\/wpsite\/wp-content\/uploads\/pensioenfonds_robeco_1-7-aspect-ratio-1290-332.jpg\" srcset=\"https:\/\/pensioenfondsrobeco.nl\/wpsite\/wp-content\/uploads\/pensioenfonds_robeco_1-7-aspect-ratio-1290-332.jpg 1290w, https:\/\/pensioenfondsrobeco.nl\/wpsite\/wp-content\/uploads\/pensioenfonds_robeco_1-7-aspect-ratio-1290-332-767x197.jpg 767w, https:\/\/pensioenfondsrobeco.nl\/wpsite\/wp-content\/uploads\/pensioenfonds_robeco_1-7-aspect-ratio-1290-332-567x146.jpg 567w, https:\/\/pensioenfondsrobeco.nl\/wpsite\/wp-content\/uploads\/pensioenfonds_robeco_1-7-aspect-ratio-1290-332-768x198.jpg 768w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" class=\"img-fluid\" alt=\"pensioenfonds_robeco_1-7-aspect-ratio-1290-332\" \/><\/div><\/div>            <div class=\"header_content_container\">\n                <div class=\"container\">\n                    <div class=\"row\">\n                        <div class=\"col-12 col-md-10 offset-md-1 col-lg-8 last_no_margin ruimterechts\">\n                            <div class=\"header_content extra_padding\">\n                                <div class=\"row\">\n                                    <div class=\"col-12 last_no_margin\">\n                                        <h2>You accrue three types of pension in the Netherlands<\/h2>\n<ol>\n<li>\n<h4>AOW<\/h4>\n<\/li>\n<li>\n<h4>Pension at the Robeco pension fund<\/h4>\n<\/li>\n<li>\n<h4>Pension that you arrange yourself<\/h4>\n<\/li>\n<\/ol>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div> \n                <\/div>\n            <\/div>\n            <\/div>\n\n    \n<\/div>\n\n<div class=\"contentblok content\" id=\"block_acf-block-6614e30f1bd9b\">    \n        <div class=\"container\">\n        <div class=\"row row_content\">\n            <div class=\"col-12 col-md-10 col-lg-8 offset-lg-1\">\n                <div class=\"last_no_margin extra_padding\">\n                    <h4><strong>1. AOW: this pension you get from the government<\/strong><\/h4>\n<p>The AOW is the government&#8217;s statutory pension. You build up that pension over 50 years, but only if you live and\/or work in the Netherlands. From what age you will receive AOW depends on your date of birth. If life expectancy increases, the AOW age will rise in the coming years.<\/p>\n<p>The amount of AOW is not the same for everyone. Moreover, the AOW amounts are adjusted every year. Click <a href=\"https:\/\/www.svb.nl\/en\/aow-pension\" target=\"_blank\" rel=\"noopener\">here<\/a> for more information about the AOW and your AOW age.<\/p>\n<p><span style=\"color: #f79608;\"><strong>Note:<\/strong> <\/span><em>Have you not always lived or worked in the Netherlands? If so, your AOW may be lower.<\/em><\/p>\n<h4><strong>2. The pension you accrue through your work<\/strong><\/h4>\n<p>How much pension you accrue with Pensioenfonds Robeco can be seen on your Uniform Pension Overviews (UPOs). We send you these statements every year. You receive separate UPOs for your pension accrual in:<\/p>\n<ul>\n<li><a href=\"https:\/\/pensioenfondsrobeco.nl\/basisregeling\/\">basic scheme<\/a><\/li>\n<li>gros <a href=\"https:\/\/pensioenfondsrobeco.nl\/en\/top-up-schemes\/\">top-up scheme<\/a><\/li>\n<\/ul>\n<p>Want a total overview, including your state pension and the pensions you have accrued with other employers? Then take a look at <a href=\"http:\/\/www.mijnpensioenoverzicht.nl\/\" target=\"_blank\" rel=\"noreferrer\" target=\"_blank\" rel=\"noopener noreferrer\">www.mijnpensioenoverzicht.nl<\/a>.<\/p>\n<h4><strong>3. The pension supplement you take care of yourself<\/strong><\/h4>\n<p>You can arrange your own supplement to your state pension and the pension you accrue through Robeco. There are several ways to do this. For example:<\/p>\n<ul>\n<li>you start bank savings<\/li>\n<li>you take out insurance such as an annuity<\/li>\n<li>you accrue extra pension in the Robeco Pension Fund scheme.<\/li>\n<\/ul>\n<p>Whether you choose one of these options depends on your financial and personal situation. A financial adviser can help you decide.<\/p>\n                <\/div>\n            <\/div>\n            \n            \n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"pagetags":[],"class_list":["post-8529","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How does pension work? | Pensioenfonds Robeco<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pensioenfondsrobeco.nl\/en\/how-does-pension-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How does pension work? 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