Are you retiring on or after January 1, 2026? Please note: Everything you read here still refers to StiPP’s old pension scheme.
As of January 1, 2026, StiPP will introduce a new, variable pension scheme. From that date, you will automatically receive a variable pension benefit from StiPP. Your pension will still be invested with very low risk. Additionally, a buffer will be in place to absorb potential setbacks.
You can also choose to invest with more risk, or to minimize risk as much as possible and receive a fixed monthly amount. If you wish to choose one of these options, you cannot remain with StiPP. Instead, you must select a different pension provider through Apple Tree.
More information about this will soon be available on this website. Do you already have questions or need advice? Then contact Apple Tree at info@apple-tree.nl or call 020 - 470 09 20.
Approaching retirement age
The retirement age for the StiPP pension plans is 67 years. When you retire you can opt for a stable or variable pension. StiPP provides the stable pension variant, but does not offer a variable pension. If you opt for a variable pension, you can personally select the insurer where your accrued retirement capital will be converted into a lifelong variable pension income.
Approximately six months before your 67th birthday, StiPP will send you a letter explaining the procedure leading up to the start of your pension income payments. This letter states the retirement capital that you have accrued up to that date. The letter also indicates the stable lifelong pension income that StiPP expects to pay you.
You can also opt for a variable pension however. If you do, you can personally select the insurer where you ‘purchase’ your pension. StiPP provides information about the possible amount of your variable pension income via StiPP.metpensioen.nl. Based on that initial summary, you can subsequently request more information. StiPP offers this service via Apple Tree, the broker associated with MetPensioen. You can choose the insurer where you purchase your variable pension up to 1 month before your intended retirement date. If required, Apple Tree can assist you in making a final choice.
IMMEDIATE INFORMATION ABOUT THE AMOUNT OF YOUR VARIABLE PENSION INCOME