Merging pension capital

If you have pension capital through several pension schemes with which you need to purchase pensions at different times, or if you have accrued pension capital with a different insurer, you can merge these different pension capital amounts to purchase one pension. In such a case, you only have to pay the purchasing fee once. How does it work?

Step 1: Select the date on which you wish to retire toon

You could, for instance, purchase a pension when you start receiving a state pension. Or later, if the retirement date in your current pension scheme is set at a later date.
Step 2: Decide which insurer you wish to purchase a pension from toon

If you would like to use the entire pension capital to purchase a pension from one insurer, you will have several different insurers to choose from. You can, of course, opt to purchase a pension from us, but this can also be done with another insurer. We recommend requesting quotes from several different insurers.
Step 3: Transfer your pension capital toon

If you have accrued pension capital with several insurers and would like to merge this to purchase one pension from us, you can ask the other insurers to transfer the pension capital to us. In such a case, please send a written request to the relevant pension administrator.
Of course, you are free to purchase the pension from a different insurer if you wish. In such a case, you can have the pension capital you accrued with us easily transferred to the other insurer. To do so, please complete the transfer form.

Please note: If the pension capital that you have accrued through several schemes becomes available at different dates, you can usually opt to bring forward or postpone the retirement date to the actual date that you wish to retire. You can check if this is possible by contacting the pension administrator where you are accruing the pension capital in question.

If you have accrued pension capital through different employers and you are not sure where and/or at which retirement age the pension capital through the different schemes will become available, you can check this by visiting Mijnpensioenoverzicht.nl (Dutch only).

It can be tricky deciding whether a particular course of action is advisable in your particular situation. If you require assistance in this decision-making process, please contact an independent adviser. These advisers are here to give you customized advice. Please be sure to discuss in advance what your adviser will charge for this advice and what any additional services entail if these are required.

Find an adviser (Dutch only)

If you have any questions, please free to contact us at any time. We are available by telephone on business days from 8.30 a.m. to 5:30 p.m. on +31 (0)30 257 42 66. Alternatively, you can complete the contact form. We are here to help.

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