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Home Our pension scheme Accrue pension What choices do you have yourself? What happens if you change jobs?

Pension 123 Layer 2

What happends if you change jobs?

Value transfer

If you change your employer and move to a different pension scheme, you can choose to take your accrued pension with you. This is known as a value transfer. You apply for this to your new pension administrator. Make sure you are properly informed in advance. Whether value transfer is a good decision or not depends on factors including the financial situation of your current pension administrator and your new pension administrator.

If you decide not to apply for a value transfer, your pension will remain with the Staples Pension Fund and will be paid to you with effect from your 67th birthday. You will no longer pay a contribution to the Staples Pension Fund and from then on you will accrue pension in your new employer’s pension scheme.

Is your accrued pension less than € 594.89 per year and higher than € 2, - per year

Then Staples Pension Fund will automatically ensure that your pension will go to your new pension fund if you left service after 1 January 2018. Staples Pension Fund therefore checks annually at www.mijnpensioenoverzicht.nl whether you are accruing pension with a new pension fund. If you do not have a new pension fund, your pension will remain with Staples Pension Fund.

 

Is your accrued pension higher than € 594.89 per year

Then you decide whether you take your pension with you. This can be beneficial, for example, if your new employer has a better pension scheme. Or maybe you want all pensions with one executor. Let your new pension fund know that you want to take your pension with you. You can take out your pension with your new pension fund. Do you not want to take your pension with you? Then your pension will remain with Staples Pension Fund. Would you like help with making your choice? We like to help you.

Value transfer checklist

Arrange your value transfer directly online at www.mijnwaardeoverdracht.nl or follow the checklist below:

  • Compare the pension schemes of both funds > use the pension comparator
  • Look at the financial situation of both funds > compare the coverage ratios
  • How is the indexation arranged by both funds > look at the financial position
  • What options do the two funds offer > look in the Pension 1-2-3
  • What arrangements are made for partner and children in both schemes > see Pension 1-2-3

Value transfer: You transfer all your pension to one fund

No value transfer: Your accrued pension remains with your pension fund. You will receive the portion of your pension from that fund upon retirement

Where do I request a value transfer?

Arrange your value transfer online at www.mijnwaardeoverdracht.nl or request it from your new pension provider.

If you decide not to apply for a value transfer, your pension will remain with Staples Pension Fund and will be paid to you from your 67th (or the earlier AOW age). You no longer pay premiums to Staples Pension Fund and continue to build up pension in the scheme of your new employer.

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