8 December 2025

The new Pension Act came into effect on 1 July 2023. This provides new rules for pensions. All pension funds in the Netherlands must apply these new rules by 1 January 2028. ABP is doing so on 1 January 2027. 

Trade unions and employers’ organisations want everyone with an ABP pension to have a stable pension that provides as much purchasing power as possible. They have worked together closely to reach clear agreements on how to implement the changes.

What does the new pension mean for you?

Much will stay the same. The state pension will remain in place, and employers and employees will continue to pay contributions and share the windfalls and setbacks.

But some things will change, not only for your own pension but also for the pension that your surviving partner will receive if you die. You will find the frequently asked questions on the ABP website. You can also sign up for the ABP newsletter to make sure you don’t miss out on information about the new pension rules.

Read more about the new pension system.

Compensation

On its website, ABP has provided more information about and examples of how it will calculate compensation for active participants aged 40 and above under the new pension scheme. Your age on 1 January 2027 determines the compensation you receive. You’ll find a table on the ABP website with the percentages per age. Please note that these are provisional and may change.

Supplement for 35- to 44-year-olds

In addition to the compensation, the ABP board has decided on a pension supplement for participants aged between 35 and 44 who are still accruing pension. There will be financial scope for this if the coverage ratio is above 105% when ABP switches to the new scheme. This will mean the fund has sufficient capital to pay all future pensions.

Key communication moments

From 2026, ABP will inform participants at different times and in different ways. Below are a few key moments.

• January 2026: Participants will receive a Pension Guide with information about the new pension act. 
• March – May 2026: Various (online) sessions for participants 
• Second half of 2026: Participants will receive a personal overview with an estimate of their expected pension under the new Pension Act. 
• 1 January 2027: ABP will transition to the new Pension Act. 
• 2027: Participants will receive a definitive overview of their pension under the new Pension Act.

Questions

For any questions, please contact ABP. You can call, chat or email them. Their contact details are at the bottom of this page.

ABP is increasing its pensions as of 1 January 2026. Read more about how and why.