Your Personal Pension Plan

You have a Personal Pension Plan with Delta Lloyd. This is a contribution agreement, also referred to as an defined contribution scheme. You invest by default. Depending on the choices made by your employer you can also build up a guaranteed pension.

Your options

Your employer pays a monthly contribution towards your pension. Your employer determines whether he pays the entire contribution or if you should also pay a part. Your pay slip tells you whether you pay any pension contribution and how much you pay.

Watch the video ‘The Personal Pension Plan’

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Arranged for you by default

A number of matters have been arranged for you within the Personal Pension Plan by default. You also have several choices.

  • Within the Personal Pension Plan you invest by default. This is the investment pension.
  • Old-age pension for yourself
  • Partner’s pension, if applicable
  • Orphan's pension
  • Waiver of contribution in the event of occupational disability

Your possible choices within the Personal Pension Plan

Depending on the choices made by your employer, the following may also be possible for you:

  • Opting for a guaranteed pension. In this case you can choose to invest or buy a guaranteed pension
  • Customising your investments
  • Disability pension
  • Surviving Dependants Act shortfall pension

Delta Lloyd maakt gebruik van cookies

Om toegang te krijgen tot deze omgeving dient u akkoord te gaan met het plaatsen van cookies.

In ons privacy statement leest u waarom wij cookies gebruiken. Cookies helpen Delta Lloyd om de website te verbeteren en het gebruiksgemak te verhogen.

Als u op akkoord klikt, geeft u toestemming voor het plaatsen van cookies. Hierna kunt u gebruik maken van alle onderdelen van deze website.

How much pension will you receive when you retire?

Unfortunately, we are cannot tell you exactly how much pension you will receive until your retirement date. Due to falling stock market prices, low interest rates or the increasing life expectancy your pension may turn out to be lower than you think. The reverse is also possible: your pension may turn out to be higher. The value of your pension may also decrease due to inflation. The amount of your pension also depends on, for example:

  • the amount of the contributions;
  • the value of the investments;
  • the interest rate at the time of your retirement and whether you opt for a guaranteed pension.

However, you can monitor your pension situation and the amount of your pension. If necessary, you can also take action yourself to arrange additional pension.
 

The amount of your pension and the Uniform Pension Statement (UPS)

Your Uniform Pension Statement (UPS), which you receive every year, tells you the amount of your pension. You will see the expected amount of your pension and the monthly pension income which you will receive. The amounts in your UPS are nominal, which means that if you retire later on, you will not be able to buy as much with your pension as you might expect now. This is due to the increased prices (inflation). As a rule, the value of money decreases every year.

Continuous insight into your pension with Pension Services Online

With the Personal Pension Plan you have access to Pension Services Online. You log in using a username and password and you can view:

  • the amount of your pension in the pension planner;
  • your options;
  • important pension documents, such as your pension introductory letter and UPS.

With the pension planner you can make calculations, such as what happens when you keep working longer or decide to stop working earlier. View all your options with your Pension Services Online. 

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