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.

As an employee of ING, you build up a pension in a CDC pension plan. This means ING pays a fixed contribution into the pension fund. Neither your pension accrual rate, your pension benefits nor pension increases are fixed. Under this pension plan, it is the employees who bear the risks.

Life events
Throughout your career at ING, there will surely be plenty of changes in your private life and at work. Events that may have an impact on your pension. You might get married, move in with your partner or have a child. You could go for a new job. Your relationship could end. You could fall ill, or become incapacitated for work. It is important for you to realise that all such events could have an impact on your pension.

Check your pension
If you want to ensure you’ll be able to live comfortably when you’re retired, it's important that you check your pension from time to time. That way, you’ll avoid unpleasant surprises. ING CDC Pensioenfonds will guide you along the way.

I’m looking for guidance
Don't hesitate to contact the Pension Desk if you have questions, for example about how a divorce will affect your pension.

I’m looking for a check list
The website provides a lot of information on your pension and the pension options available to you.

I’m looking for an up-to-date pension summary
Visit the government's website Mijnpensioenoverzicht.nl (log in with your DigiD) to find out how much pension you’ve built up through ING's pension plan and any preceding employers’ pension plans you’ve taken part in, plus your Dutch state pension (AOW).

Go to My Pension (use your DigiD to log in) to find out how much pension you've built up at ING and how much you could ultimately reach if you continued to work at ING until your retirement date.

I’m looking for a tool to make some calculations
The Pension Planner (use your DigiD to log in) shows how much pension you've built up at ING, how much pension you'll need and what pension choices you can make.

Stay up-to-date
Only you can decide whether the pension you're heading for will be enough to meet your needs. If you foresee a gap, you can take action well ahead of time, for example by setting aside extra savings. A financial adviser can help you in this process.