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Summer 2018

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Create scope to make your own choices

“As a pension fund, we face financial as well as non-financial risks. The pension fund’s managing board and the board bureau operate within a framework that's designed to control all risks.”


John Boers is a member of the managing board of ING CDC Pensioenfonds and NN CDC Pensioenfonds, as a representative of employers ING and NN Group. His areas of focus for the CDC pension funds are asset & liability management, finance and risk. Having retired in 2015, John is also a pension expert by experience.

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What’s the cost of pension administration?

Your pension fund administers your pension, invests your pension savings, pays out your pension benefits and helps you take control over your pension by providing online tools like the Pension Planner. All these services are paid for by your employer.
The social partners (your employer and the trade unions) negotiate and agree upon the conditions of your pension plan.

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Avoid unpleasant surprises: check your 2018 UPO

Are you employed by ING, receiving pension or on sick leave? If so, you received a new Uniform Pension Overview (UPO) in late May. The UPO gives a summary of the most relevant information concerning your pension plan, so you can check your pension more efficiently and avoid unpleasant surprises.

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Grow old happily as a couple?

“I don’t see the need to get married. Having a registered partnership feels the same to me, but I wonder if it’s also the same when it comes to my pension.”


Marriage is becoming less and less popular in the Netherlands. Couples in their twenties and thirties are increasingly opting for a registered partnership or cohabitation with or without a cohabitation contract. If you choose to live together in this form, what are the implications for your pension? And what if your relationship ends?

Dutch marriage law was changed with effect from January 2018: community of property no longer automatically applies to couples who get married without a prenuptial agreement. Dutch marriage law was changed with effect from January 2018: community of property no longer automatically applies to couples who get married without a prenuptial agreement. Instead, their property is now joined in a limited community of property, which means both partners retain their own assets and assets they inherit no longer automatically fall into their community of property.

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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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