How will the NexT Pension scheme affect you? |
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Slowly but surely we are working towards personalising the information about your new pension system: the NexT Pension scheme. Until that time, we will try to give you an idea by explaining how the NexT Pension scheme will affect people like you. This newsletter has been put together specifically for members who are between the ages of 40 and 60 and are accruing a pension with us.
Next week’s annual 3-day event the Pensioen3daagse will increase the country’s focus on the subject of pensions, so I believe that now is the perfect time to reach out to you. The question that you are probably most interested in is how the NexT Pension scheme will affect your own personal pension situation. We will not be able to share specific information about your personal situation until shortly before we switch to the NexT Pension scheme on 1 January 2027. For now, however, we can give you an idea of what to expect, and explain the most important matters that might be relevant in your situation. This newsletter is a key tool in these communications. Approximately midway through next year, further details about your new pension will be made available in MijnPPF. |
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Anita Joosten
Managing Director |
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This is Rajesh. Rajesh is 49 and is accruing a pension with us. If, on 1 January 2027, you are like Rajesh – between the ages of 40 and 60 and working for Philips, Signify or Versuni – then your pension situation will resemble Rajesh’s in many respects. Read on to find out how the NexT Pension scheme will affect members like you.
If your situation will change by 1 January 2027, click here for the newsletter that matches your future situation. |
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"As compensation, I get an extra amount added to my pension pot. That seems fair, as I’m part of the group that could be negatively affected by the new pension scheme." |
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The NexT Pension scheme and your future pension |
If the finances of Philips Pensioenfonds are healthy on 1 January 2027 – assuming a 120% funding ratio for example – we expect your projected pension to immediately be higher. You will then receive a portion of the Pension Fund’s financial buffer (read more here about how this works).
We will invest your personal pension capital. The returns on those investments, together with the interest, will eventually determine what your pension is. The NexT Pension scheme will not use a buffer like the current pension scheme does. This means that developments on the financial markets will directly affect your pension – either positively or negatively. Until you (almost) start drawing your pension, the ‘solidarity reserve’ will not offer any protection against shortfalls in the returns. Even so, the NexT Pension scheme also has an upside: if we get off to a strong financial start and the investments yield strong returns, your pension could increase faster than it does now. |
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Visiting a location near you! |
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Date: 11 & 13 November 2025 | Time: 12.00-14.00 p.m. |
Philips Pensioenfonds will visit a number of locations during the Pensioen3daagse, the national 3-day pension event. If you have a question about the new pension rules, or if you need information about your current pension, drop by and we will answer all your questions. |
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- Tuesday 11 November
Philips, High Tech Campus Eindhoven, HTC34
Signify, High Tech Campus Eindhoven, HTC48
- Thursday 13 November
Philips Campus Best, The Best Place
Philips Center Amsterdam, Garden Café
If you do not work at any of the locations we will be visiting, or if you are unable to visit us in person, just send your question to our Service Desk. |
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Compensation: an extra amount added to your pension |
If you are like Rajesh – aged 40 or older, and accruing a pension with us – then your future pension accrual could suffer a disadvantage when we switch to the NexT Pension Scheme. To compensate for this, you will receive a one-time extra payment into your pension savings.
Important: if you leave your employer before 1 January 2027, you will not receive this compensation. Watch the video for an explanation of how this works, or read the e-brochure to find out how your compensation could be affected if your situation changes. |
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How is Philips Pensioenfonds doing? |
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What do you think of this newsletter? |
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