On 22 December 2022, a majority in the Lower House of Parliament voted in favour of the Future of Pensions Act. The vote did not lead to major changes of the bill.

The financial results of the third quarter of 2022 are available. The total return on investment was -5.1%. Compared to the second quarter, the funding ratio increased from 124% to 127%. The policy funding ratio increased from 113% to 117%.

With updates on the new pension option ‘lump sum withdrawal’ and the indexation of your pension.

ING CDC Pensioenfonds’ funding ratios as at 30 November 2022 are known. The funding ratio is 127% and the policy funding ratio is 121%.

To keep up with price inflation, it's important that your pension rises as well. And that will be happening for the year 2022. We will inform you of the final percentage in early January.

Do you know how much pension you'll get when you're retired? Or when you need to take action for your pension? What pension choices you can make? And are you happy with the choices you've made? Our customer satisfaction survey for 2022 has produced good scores, but has also revealed room for improvement.

Will you be turning 67 in the months from 1 July to 1 October 2023? If so, please bear in mind that you will be receiving your ‘pension letter’ later than usual. That's because the introduction of the new pension option of withdrawing a lump sum is expected to be postponed again. We are sending you this email to explain what this means for you and how we can help you when you retire.

Does ING CDC Pensioenfonds fully hedge its interest rate risks, like English pension funds tend to do? Will you accrue pension at the maximum accrual rate of 1.778% in 2023? And what about the indexation of your pension? The fund’s newsflash gives you an update.

The AOW retirement age will be going up again. In 2028, your Dutch state pension (AOW) will start paying out from the age of 67 years and 3 months. What does this mean for your other pension?

‘Better outlook for your pension’. That was the heading of the newsletter we sent you last May, about indexation and accrual of your pension. Here's an update on where your pension is at now.