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Summer 2020

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Your special

Netflix or your pension matters?

Your pension needs to be ‘in your face’ regularly: 'Oh right, I keep forgetting but I need to look into that.

An interview with Karin Berns. Karin works as Business Manager for the Head of ING Market Leaders (Benelux). In January this year, she was appointed board member of ING CDC Pensioenfonds, as a representative of the employer. Communications is one of her areas of focus as a board member, which makes sense given her background. Karin studied Marketing Management (Business Administration) and Media & Journalism at the Erasmus University in Rotterdam.

Return on investment -4.3%

The financial results of the first quarter of 2020 are available. The total return on investment was -3.0%. Compared to the fourth quarter of 2019, the funding ratio decreased from 105% to 92%. The policy funding ratio decreased from 107% to 103%.

UPO 2020: Pension forecast

Once a year in June, ING CDC Pensioenfonds sends you an overview (UPO) of your pension accrual. The UPO also shows how much pension your partner and children will receive if you pass away.

Your pension is about your life

“What happens in my life today will have an impact on my life later on – I wonder how that works”

Why put off looking into your pension? Why not give it some priority?  After all, your pension is money you save now, which you'll get back later in your life. Of course, that will be decades from now, as you've only just started your career. But did you know that your job, your new partner and the house you might buy will have a direct impact on your future and your pension? Time to find out how that works!

Frank about the future

The coronavirus crisis is affecting daily life for all of us. You might be concerned about the impact the crisis is having on your pension. ING CDC Pensioenfonds understands your concerns.

Will my pension in ING CDC Pensioenfonds start paying out together with my Dutch state pension (AOW)?

You've worked hard for many years and your retirement is drawing near. You might already be preparing for your life as a pensioner. You know that in 2020 your AOW will start paying out when you’re 66 years and 4 months old, but will your pension in ING CDC Pensioenfonds start paying out at the same time?

Pension fund reports on financial year

The pension fund has published its annual report for 2019, presenting the financial statements and core figures regarding the pension fund's administration. The pension fund also reports on the impact that financial market developments had on your pension in 2019, and gives its views on the current year, 2020.

On our way to a new digital portal

ING CDC Pensioenfonds is working to make your personal and secure online environment and the Pension Planner accessible through a single portal by the end of this fall. That way, you’ll only need to log in once with your DigiD. What's more, the pension fund will be able to provide you with customised information in each phase of your life.

Frequently asked questions regarding the coronavirus and your pension

The Pension Desk has received scores of questions regarding the coronavirus. Not only about the impact on the funding ratio, but also on how the pension fund is ensuring continuity of its services. We've selected a number of their questions.

What events will have an impact on my pension?

This question crops up often at our workshops. Firstly, the nature of your pension plan is relevant. You are building up a pension in a CDC pension plan, which involves risks. In addition, all sorts of events in your life could affect your retirement income – examples include getting married, buying a house or moving abroad.

Where do you start your application for early retirement?

An interview with ING employee Marie-Louise Dijkstra, who was raised with a strong awareness of the future. That includes preparing for retirement. Read this article to find out how Marie-Louise handled this and what tips she has for the pension fund and for you.

New national pension agreement

In recent weeks the outcome of negotiations for the new Dutch pension system was often headlined in the news. Now that the trade unions have given their approval, the upper and lower houses of parliament will cast their votes, after which employers and employees will need to take action.