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The ‘lump-sum’ pension option will be available from 1 January 2029
From 1 January 2029, you will be able to opt for a ‘lump sum’ when you retire. You will then be able to have up to 10% of your occupational retirement pension paid to you as a single payment. Will you be retiring before 1 January 2029? If so, you cannot yet opt for a lump sum.
What is a 'lump sum'?
It is an additional option when you retire. You can then opt to withdraw part of your pension all at once as a lump sum. You will receive up to 10% of your occupational retirement pension as a single payment. You can spend that amount as you wish. However, making use of this option will reduce your monthly lifelong pension. In addition, withdrawing a lump sum may affect your taxes and any allowances or benefits you receive.
Why is this option only available from 1 January 2029?
The Dutch Senate and the House of Representatives have approved the relevant legislation, so the arrangement can therefore be introduced. The starting date has been set as 1 January 2029. Pension funds are currently working on the transition to the new pension system. They need extra time to arrange everything properly and be able to implement the scheme carefully.
Read our Annual Report
Our Annual Report tells you what we have done and achieved over the past year, as well as giving you more information about the transition to the new pension scheme. We’ve also produced a short infographic showing you the main themes at a glance. You can find the summary and the full Annual Report on our website www.koopvaardij.nl/en.
Turmoil on the financial markets
The world is in turmoil, and that has an effect on the stock markets. Needless to say, we want your pension to retain as much of its value as possible. That’s why we invest our assets is such a way that the risks are responsible. In doing so, we focus on the long term, because in the short term the return on investments may fall, as is the case at the moment. To protect our assets, we invest globally, for example, and in different types of investments. That means we are less affected by major fluctuations and our financial position remains strong.
We assist you with your pension options
A good pension sometimes requires you to make choices, and that can be difficult. That’s why we are happy to help you. You can find detailed information on our website. You can ask your questions there and get a quick answer from ‘Boris’, our digital assistant. We can also guide you step by step in the online pension planner. If you would rather speak to someone in person, then you can arrange a phone call by using the online appointment planner at www.koopvaardij.nl/belafspraak. One of our Service Desk employees will then call you at a time of your choosing.
IMAGES: shutterstock
Survey about the new pension scheme:
How well informed are you?
Your views are important for us. That’s why we regularly ask you to let us know what you think, for example about the new pension scheme. At the beginning of 2026, more than 4,700 members completed the questionnaire, which we’re very happy about! It means we know what questions you have and how we can best help you.
The survey shows that 59,9% of the respondents are confident (or very confident) about the new pension scheme, while 32,2% have neither a lot nor a little confidence. Only 8% say they have little or very little confidence.
85% know that we have a new pension scheme and what that means for their own pension.
You can find more information at www.koopvaardij.nl/en/new-pension-system.
WHAT DO YOU THINK?
Log in to My Koopvaardij with your DigiD or eIDAS. Under Postal Preferences, select 'Surveys’. You will then receive an e-mail invitation no more than once a month.