The pension scheme of the Rhine and Inland Navigation
Pension accrual in the Rhine and Inland Navigation
As of January 1, 2025, the mandatory pension plan of the Industrial Pension Fund for the Rhine and Inland Waterways will expire. This means that your employer is now responsible for providing its own pension plan.
Together with Schouten Zekerheid 's pension advisors, we examined how your pension accrual will continue from 2025. The choice was made to continue the pension plan as of January 1, 2025 in a.s.r.'s Doenpensioen.
In the new plan, you build up your own capital and buy a lifetime monthly benefit on your retirement date. The amount depends on the premium investment and the returns achieved.
In addition to building up your own pension, there is insurance for partner's and orphan's pensions. Upon death, your partner receives a benefit for as long as he/she lives, and children up to age 25.
Good to know
How do I build up a pension?
You accrue pension on part of your salary. Part of your salary does not count, because you will already receive AOW from the government later. We call this the AOW deductible.
What remains is called the pension base. On that amount, you and your employer set aside a fixed percentage of premium each year. That money is invested and forms your personal pension pot. How big your pension will be later depends on how much premium is deposited and how the investments perform.
What is a defined contribution plan?
How will my premium be invested?
Can I also choose my own investments?
Can I choose a guaranteed retirement benefit?
When do I join the pension plan?
How much do I pay myself in retirement?
Can I retire earlier or later?
What happens if I leave employment?
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