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Winter 2021

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Take control well ahead of time!

“I usually blur my background in Teams,” Willem laughed when I asked him about the Tintin posters hanging on the wall behind him. “Youthful memories. Just like the James Bond poster, which is also on my wall. I know, Bond movies don’t have any depth, but they're great for action, pursuits, beautiful cars… and always a surprising end,” Willem adds about the latest Bond release, which is now in the cinemas.

Willem is 60, has a wide range of interests and likes looking at things from multiple angles. He reads four Dutch daily newspapers (NRC, FD, Telegraaf and AD) and closely follows news website ‘Follow the money’. 

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Less pension accrual in 2022

As a result of persistently low interest rates, the pension accrual rate will have to be lowered in 2022, just like it was in 2021 and 2020. This means that next year your pension will not accrue at 1.784% but at 1.254%, which means a cutback of 29.7%. This reduction will only apply to 2022.

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What you need to do if you relocate in or to a foreign country

If your situation changes, you should always consider how this might affect your pension. For example, if you relocate in or to a foreign country. Or move back to the Netherlands. Make sure you can always be reached! We have made a short list of the things you need to take care of.

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What triggers you to save for your retirement?

If you’re younger than 35, your retirement probably seems very remote, even though that doesn't necessarily mean you’re uninterested or clueless. In the Netherlands, the retirement age is currently 67, but some people say that will go up in due course. Of course, no one knows for sure. Many people think it would be ideal to stop working earlier. Are you one of those people? If so, will you need extra money to bridge the time until your Dutch state pension (AOW) starts paying out?

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What does a pension accrual cut back mean to you?

In 2022, the accrual rate of your pension will be cut back. This article provides several sample calculations to show you how this will affect your pension. And also the effect of the reduced accrual rate in three consecutive years.

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I keep an eye on the funding ratio

Regardless of whether you’re currently employed by ING or you've left the company or retired, the pension fund's funding ratio has an impact on your pension. That's why it’s an important indicator to keep an eye on. This article gives you an update on the development of the funding ratio in the third quarter.

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My value transfer in 6 steps

Are your thinking of transferring your pension to ING CDC Pensioenfonds? Check out the 6 steps overview now.

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No indexation for 2021

ING CDC Pensioenfonds tries to increase the pensions of ING’s current and former employees and pensioners on an annual basis, in order to stay in line with the consumer price index. The pension fund takes its policy funding ratio on 30 September as the reference point.

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Why are we getting a new national pension system?

The Dutch pension system is one of the best in the world. And yet, it needs to be updated because society has changed enormously. We also want people’s pensions to be better able to withstand shocks when there’s a downturn in the economy.

 
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How to set aside additional retirement savings

If you work at ING, you automatically build up pension rights. That's certain. But there are also uncertainties, such as the rate of your annual pension accrual. If you'd rather avoid surprises and set aside additional retirement savings, read this article!

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Will my partner get a pension if we separate?

If you get a divorce, your pension accrual is divided between you and your partner. This is based on Dutch law which you sometimes can deviate from. No matter what you decide to do, it's important that you inform us within two years of your divorce.

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Can I get a tax refund by averaging out my income?

We often get this question during the webinars we give to our colleagues at ING. Below, we’ll explain what averaging out your income means and how to calculate whether this option would be interesting to you.

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