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Autumn 2018

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Like a Rolling Stone: work past your retirement date

“My grandson doesn't understand. He feels no one should be working past their retirement age.”


Hasko van Dalen is a member of the boards of ING and NN CDC Pensioenfonds on behalf of the NN Group’s Works Council. His areas of focus are pension law and communications. Hasko has been retired since 2011, but he certainly isn’t settling into his armchair.

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Welcome to the new website

More online tools, financial news and interviews. And an improved look and feel. You'll notice these changes when you visit the new website of ING CDC Pensioenfonds.

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FAQ: Why am I building up partner pension even though I don't have a partner?

Whether or not you have a partner, if you’re an employee of ING, you build up partner pension in ING CDC Pensioenfonds. However, if you're still single when your retirement starts, your partner pension will be converted into extra old-age pension.

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Do you know what you're working for?

“I spend about one day a week working to earn my pension. What else can I do?”


Reviewing the status of your pension should be a routine matter, just like you check your salary, take out insurance, discuss a mortgage with your bank, have a medical check-up or visit the dentist. It’s one of those things you need to do once in a while, and every time you have, you’re relieved.

Pension is an important employment condition, no matter what age you are. Your pension plan not only provides you with retirement income, it also covers occupational disability insurance and benefits for your surviving dependants. That's why it's important to register your live-in partner at ING CDC Pensioenfonds if you're not married and don’t have a registered partnership agreement. Your pension is in fact a deferred part of your salary. You and your employer pay contributions into your pension fund every month. For 2018, your part of the contribution amounts to 6% while your employer contributes 27.85%. You’d probably like to know what the pension fund does with that money.

 

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New rules for splitting pension between ex-partners

Separating from your partner brings about lots of issues. One of them is splitting your pension with your ex-partner. Dutch law currently provides rules for splitting pensions if ex-partners don't make their own agreement. The Dutch legislator is planning to enforce new rules to simplify pension splitting. This article sets out the latest developments and what you can do.

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So what’s the truth about your pension?

Be honest… Do you believe you’d get better results if you could invest your pension contribution by yourself? And do you think you’re actually paying for the pensions of current pensioners? And that you have no influence on your own pension situation? These and other myths will be discussed in this article.

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Combining options in the Pension Planner

The Pension Planner helps you take control over your pension. It will give you answers to questions like: How much will my pension plan pay out when I’m retired? Will that be enough? What action can I take? And it lets you make various calculations by combining pension options to produce the result that works best for you. For example, you could opt for higher pension benefits in the first years of your retirement, so you can bridge the gap until your Dutch state pension (AOW) starts paying out. Would you like to find out how the Pension Planner works?

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Positive results: increase of funding ratios and total return on investment 2.1%

ING CDC Pensioenfonds closed the second quarter with positive results. Next to an increase of the funding ratio and policy funding ratio, the total return on investment amounted to 2.1%. The performance of your fund is captured in more detail in the renewed and interactive quarterly report

Are you totally in love?

Beware of…

Plenty of activities at the 3-day event ‘Pension3Days’

A one-on-one chat, a Pension Planner workshop or a lunch event for young employees. At the 2018 Pension3Days event (6 - 8 November), ING’s employees delved into their pension during office hours.

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Pension benefits alongside your job – is that allowed?

Do you ever consider working past your retirement date? What would be the tax implications? And what happens if you retire before your Dutch state pension (AOW) starts paying out? We’ll give a brief explanation in this article.

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