Broad outlines
Pension rules are changing
We want everyone to be able to draw a pension, and that’s why new rules are on their way. What will stay the same and what will change?
The animation on this page explains the main features.
Moreover, the solidarity scheme has been chosen.
It is up to the social partners of TNO to decide on the new pension schemes. After all, pension is part of your terms of employment.
The solidarity scheme
The TNO social partners have a choice of two schemes under the new system: a flexible scheme or a solidarity-based scheme. Both of these schemes will ultimately provide good pension benefits. This was also explained during the webinar of 4 February 2025. The webinar is available for you to watch.
What does this scheme entail?
In the solidarity-based pension scheme, you are given a share of the collective assets. In addition, the risks during the accumulation phase are also shared collectively. And each year, it then calculates your share of the pension assets. And based on this, we estimate your future pension (the expected pension payment). The outcome of this calculation will differ each year. In other words, pensions are going to be keeping pace with economic circumstances. There will, of course, be rules to protect the pensions of older people against setbacks, so that these pensions fluctuate as little as possible (solidarity reserve). To be able to build up a decent pension, younger people also have to take more investment risks than older people.