Early retirement
You choose when you want to retire. When considering retirement, it makes sense to use your state pension age as a guide. This is why we will inform you about your pension six months before you reach your state pension age. However, you also have the option of retiring earlier or later. Until 1 January 2027, you can retire when you reach the age of 55. From 1 January 2027, you can do this no earlier than ten years before you reach your state pension age. Your pension must start within five years of you reaching your state pension age.
Compensation: pay attention if you retire this year
PME wants to switch to the new pension rules on 1 January 2027. This switch is expected to be beneficial for most people. However, there will be a disadvantage for others. They are expected to accrue less pension in the future than under the old scheme. This is why, at the time of the switch, these people will receive an extra amount in their pension pot. This amount is also known as compensation. This will enable us to maintain their expected pension as much as possible as well.
If you retire on or before 1 January 2027 at an age below 67 and if you no longer build up a pension with us, you will not receive any compensation. Take this into account if you choose to retire early.
Contact us if you would like to know what this means for you personally, so that we can make a cautious estimate for you. This will give you a rough idea of what the extra amount will mean for your expected monthly pension and whether it is worth working a little longer. Good to know: for people born in the years 1960–1962, the extra amount will not be very large. So when you make your choice, don't just be guided by the prospect of an extra amount.
You can find out more about this topic, including useful calculation examples, on the page below.
- Answer a few questions and find out how much you will get.
- Try out different retirement ages.
- There is no obligation. You have not made a final choice yet.
More information
By default, your pension from PME starts when you reach your AOW pension age. You can, however, retire early. Pension consultant Arjan de Beurs will tell you how it works in the following video:
You decide when you want to retire. Most people retire when they reach their statutory retirement age. However, it is up to you to decide when you retire. Please log in with your DigiD and check how much money you will get if you take early retirement.
The earlier you retire, the lower your pension will be. That's only logical:
- If you stop working earlier, you build up pension for a shorter period of time than if you continued working until your state retirement age.
- Besides, if your pension starts earlier, your pension will be paid out over more years.
Carefully consider beforehand if you can make ends meet with a lower pension.
Find out how much you get in case of early retirement.
- Log in with your DigiD and go to the pension planner.
- Answer a few questions. Find out right away how much you will get.
- Try out different retirement ages.
- If you wish, apply for your pension in the pension planner.