Jaap Flötman

Position

Board Member on behalf of the employees

CDC focus areas

  • Finance & Risk

  • Pension, Communication & Governance

Experience 
I have worked in the field of pensions since 2003, until recently at ING. I was involved in making Pensioenfonds ING (the ING Pension Fund) independent, and later in introducing the CDC pension scheme and setting up the ING CDC Pension Fund, where employees have been building up their pensions since 2014. After that came the development and reform of the Dutch pension system, the implementation of which required intensive cooperation between various parties.

All in all, over the past 23 years I have gained a great deal of knowledge and experience in the cooperation between employers, trade unions and pension fund boards. That experience is now proving valuable. I expect that under the new pension scheme — which takes effect on 1 January 2028 — the role of the employer will diminish, while that of the pension fund board will grow.

My areas of specialisation are, in particular, risk management and employment conditions. A pension is an important secondary employment benefit. I want to give it real meaning in the interest of all members, because in the end, pensions are about people.

What I see as my key task
I see it as my most important task to help bring about a careful transition to the new pension rules. That is quite a complex undertaking, one in which we have to make choices even though not all the parameters have yet been set. Some things may still change, and we must keep taking that into account. It is essential that we always keep in mind that everything we do must be explainable to our members, both young and old.

CDC message
“In future, your new pension will move more closely with economic developments than it does today. You will have your own pension capital, which means you can see more quickly what happens to your pension contributions and what the investments deliver. The outcome of your pension is not fixed in advance, and you will have more choices. Take the time to explore them! Of course, we will help you when you need to make choices, and we are happy to explain how your pension works.”