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Summer 2018

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Your special

Create scope to make your own choices

“As a pension fund, we face financial as well as non-financial risks.
The pension fund’s managing board and the board bureau
operate within a framework that's designed to control all risks.”


John Boers is a member of the managing board of NN CDC Pensioenfonds and ING CDC Pensioenfonds, as a representative of employers NN Group and ING. His areas of focus for the CDC pension funds are asset & liability management, finance and risk. Having retired in 2015, John is also a pension expert by experience.

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What’s the cost of pension administration?

Your pension fund administers your pension, invests your pension savings, pays out your pension benefits and helps you take control over your pension by providing online tools like the Pension Planner. All these services are paid for by your employer.
The social partners (your employer and the trade unions) negotiate and agree upon the conditions of your pension plan.

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Avoid unpleasant surprises: check your 2018 UPO

Are you employed by NN Group, receiving pension or on sick leave? If so, you received a new Uniform Pension Overview (UPO) in late May. The UPO gives a summary of the most relevant information concerning your pension plan, so you can check your pension more efficiently and avoid unpleasant surprises.

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Grow old happily as a couple?

“I don’t see the need to get married.
Having a registered partnership feels the same to me,
but I wonder if it’s also the same
when it comes to my pension.”


Marriage is becoming less and less popular in the Netherlands. Couples in their twenties and thirties are increasingly opting for a registered partnership or cohabitation with or without a cohabitation contract. If you choose to live together in this form, what are the implications for your pension? And what if your relationship ends?

Dutch marriage law was changed with effect from January 2018: community of property no longer automatically applies to couples who get married without a prenuptial agreement. Instead, their property is now joined in a limited community of property, which means both partners retain their own assets and assets they inherit no longer automatically fall into their community of property.

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Transfer the value of your pension

If you leave your employer on or after 1 January 2018 and you've accrued a small pension (2018: less than 474 euros per year), the value of that small pension will automatically be transferred to your new employer’s pension administrator with effect from 1 January 2019. If you've accrued a larger pension, it’s up to you to decide whether you want to transfer its value.

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First edition of Pension Fund Academy is a success

This joint initiative of the pension funds and the employers NN Group and ING has succesfully triggered young employees' interest in pension and taking an active role in one of the pension funds. The Academy also won the 2018 Pension Pro Innovation Award for its innovative approach. Not bad for a first edition!

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Annual Report 2017

We like to share the results in the area of pension administration and communication. We are proud to have set the next steps in making pension more personal and relevant for you.

Will the Pension Planner take into account my divorce?

Are you divorced or in the midst of getting a divorce? In almost all cases, divorce has an impact on your pension, as your former partner will be entitled to a part of the old-age pension that was accrued while you were married. As soon as your divorce has been processed by the pension fund, the Pension Planner will take it into account when making calculations. Check your list of action points here.

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FAQ: Will I be able to retire early?

Have you ever considered retiring before you reach NN CDC Pensioenfonds’ standard retirement age of 67? You can retire up to seven years before that age, in other words anytime after you've turned 60. However, there are some important matters to consider before you make this irreversible decision. And have you considered part-time pension?

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Will you stand as a candidate for our supervisory board?

NN CDC Pensioenfonds’ supervisory board currently has a vacancy in its employees’ delegation. Would you be interested in taking an active role in your pension fund and do you have the required knowledge, experience and competencies? If so, you have until 7 September 2018 to put yourself forward as a candidate.

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Pension conversations at your workplace

How do you get employees to delve into their pension situation? By offering them a 30-minute private pension conversation at their workplace during office hours. And by scheduling and thoroughly preparing these conversations in advance. The result: 144 successful customised pension conversations.

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