Your daily groceries, energy bills, going out on a visit or a trip. You must have noticed: everything is becoming more expensive. Will this affect the purchasing power of your pension?
We explain this using the illustration with the three arrows on the UPO.
The three arrows show three different amounts. These represent an estimate of your pension in case of significant positive or negative developments. The arrow with the lowest amount shows the estimate if things go badly, and the arrow with the highest amount shows the estimate if things go well. Naturally, there is also a middle scenario.
In making the estimate, we also take a possible increase in prices into account. The amounts shown by the arrows therefore reflect an estimate of the purchasing power of your pension. This is why you see different amounts than those previously stated on the UPO.
A pension with purchasing power is a pension that is high enough to cover your fixed expenses and maintain your lifestyle, even when prices increase.
Forecast
The calculation shows a forecast based on what we know at this moment. A lot can still change between now and the moment your pension starts — in your work and personal life, but also at the pension fund and within the pension sector as a whole. This includes the transition of the pension scheme to the new pension rules.
The new pension scheme is expected to take effect from 1 July 2027. The social partners have made agreements about the new pension scheme and recorded these in the transition plan (NL).
Because your pension was transferred to De Nationale APF as of 1 January 2026, they are responsible for the transition to the new pension scheme. You can read more about this on the website of De Nationale APF.
