You have a Balanced Pension Plan with Delta Lloyd. This is a defined contribution scheme. You use the total contributions paid in each year to buy a guaranteed pension. With a guaranteed pension the amount of pension you receive when you retire is fixed in advance. The actual pension amount depends on the total contributions paid in.
How much will your pension be?
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. You use your contributions to buy a guaranteed pension. Your Uniform Pension Statement (UPS), which you receive every year around September, tells you how much pension you will receive. You can see how much pension you have built up so far, and the pension that you can expect to receive when you reach retirement age. The amounts shown on your UPS are nominal. In other words, prices will have risen by the time you retire because of inflation, so you might not be able to buy as much with your pension as you now think.
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