We’re often asked whether it might be better to retire now, before the new pension plan takes effect in 2027. Some believe that retiring early means the new rules won’t apply to them. That’s not the case. Everyone will be affected by the new rules, even those who are already retired. For example, you’ll have a choice between fixed and variable pension benefits. Variable benefits fluctuate with the economy, which means they can go up, but can also go down. Fixed benefits remain stable over time, but typically increase little or not at all.

Yes, there is no better answer. Investing outperforms saving by a wide margin, with every euro potentially growing two to threefold. Investing for retirement is a long-term commitment. So if retirement feels far away, all the better – you still have time to steadily grow your pension.

Are you 58 or older and not yet retired? Thinking about your retirement? Maybe you already know what you want, but would value a second opinion. Or perhaps you’d like to explore your options with an expert. That’s possible. From June 2025, you can make an appointment with a pension coach by means of our options tool. You’ll get one consultation free of charge.

ING CDC Pensioenfonds’ funding ratios as per 30 April 2025 are known. The funding ratio is 128% and the policy funding ratio is 129%.