A fixed or variable pension

You have accrued a pension with us. Once you retire, you will make a number of choices for this purpose. One is whether you will purchase a fixed or variable benefit. We explain these 2 types of benefit.

A variable pension: the amount of your pension is not fixed

You will be paid a pension benefit every month. The rest of your accrued pension remains invested. This means that if the value of your investment rises, you will still get returns on your investments. This gives you a chance of a higher pension. Please Note: if the value of your investment falls, your accrued pension may be lower. Your monthly pension benefit may therefore also be lower.

A fixed benefit: you know exactly how much you will receive

Every month, you will receive your pension. For as long as you live. The amount of your pension benefit is fixed.

This is how you arrange it

You can purchase a fixed pension with Centraal Beheer. Check centraalbeheer.nl to see what monthly amount you can receive. You choose which variant suits you best. You can arrange your fixed benefit pension online right away, or you can make an appointment for an information session about your pension.

If you opt for such a fixed benefit, you can request one or more offers from insurers. You specify the type of pension you want to purchase. You can read more on this below. If you agree to an offer, then you purchase your pension insurance from that insurer. You do so with the amount of pension you have accrued with us.

There are several types of pension you can choose from

We list some of them below:

Partner’s Pension
In this case, you choose to also purchase a lifelong partner's pension. Your partner will then receive a partner's pension every month for as long as they live. This will be paid out by the insurer that you have chosen. The partner's pension often amounts to 70% of the old-age pension. The benefit for your own old-age pension will then be lower.
High-low/low-high pension
High/low pension means that in the first years of your retirement, you will receive a higher pension benefit. In subsequent years, you will receive a lower pension benefit. Or vice versa for low/high pensions: lower pension benefits first and higher pension benefits later. This choice can be useful if you expect your expenses to change after retirement.
Indexing
You can let your pension move with inflation each year. In short, when prices rise, your pension benefits rise with them. You will then receive a slightly higher pension benefit. In this way, you can insure yourself against this annual increase.