Options upon retirement
You would like to know what choices you have when you retire. The answer is that you can make different choices. The choices you make affect your pension. The pension planner shows you exactly what choices you have and how much pension you will receive. Some choices can be combined. When making choices, think carefully about how much income you need after retirement. Also look at your longer-term expenses. If you wish, you can apply for your pension yourself using the pension planner.
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 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.
- Log in with your DigiD en go to the pension planner.
- Answer some questions to see how much pension you will get.
- You can try out different retirement ages.
- You can make multiple choices at the same time.
Do you have questions or having trouble logging in? If so, please contact us.
Your options upon retiring
Take a look at the choices for your pension
- View all the options when you retire you have with PME on this page.
- Use the pension planner. The planner will take you through all the choices step by step. You will immediately see what a choice means for the size of your pension.
- Go to Mijnpensioenoverzicht.nl. Here you can see the pension you have accrued with all your employers, plus your state pension.
Do you have any questions about the choices?
- Call 088 1947 001 (Monday to Friday from 8 a.m. to 5 p.m.).
- Send an email to deelnemer@pmepensioen.nl.
- Schedule a personal pension conversation. You can attend a local pension consultation in person or make an appointment for an online pension conversation.
You will make your own choices
- Discuss with your employer when you want your pension to start and if you want to reduce your hours.
Request your pension
- How you request your pension depends on the choices you make.
- If you are (partially) retiring before the state retirement age, request your pension from us using the pension planner.
- If you want to (partially) retire at the state retirement age, you will automatically receive a message from us a few months before you reach the state retirement age. This will tell you how to request your pension. You can also use the form to indicate if you want to retire later or partially.
Please provide your private email address
- Do we have your work email address? We won’t be able to send you any more communications at that address once you retire. Please provide us with your private email address. The easy way to do this is by logging in at www.pmepensioen.nl/login. This way, you will continue to receive pension communications during your retirement.
Watch the webinar
Would you prefer to know more about the pension choices before you get started? Visit pmepensioen.nl/webinars and watch the webinar on pension choices.
We are here for you
Got a question about your pension? We will be happy to help you. You can reach us on any business day between 8 a.m. and 5 p.m. Call 088 194 70 01, chat with us or email deelnemer@pmepensioen.nl.
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.
If you retire before you receive your state pension, your income will initially be lower. You can supplement your pension until you receive your state pension. Log in with your DigiD and go to the pension planner to see what your choice means for your pension.
You may take partial retirement. Until 1 January 2027, you can do this from the age of 55. From 1 January 2027, you can do this no earlier than ten years before you reach your state pension age. You will continue accruing a pension over the hours that you still work.
By default, you will receive the same pension every month. However, you can also receive a higher pension at the beginning. You can continue to receive this higher pension for up to 10 years after you reach your state pension age. After that, you will receive a lower pension for the rest of your life. A temporary higher pension may be interesting if you expect to have higher costs at the beginning. For example, if you have a mortgage.
Your personal situation will determine which option is best for you. Interested in exploring the options? Log in with your DigiD and go to the pension planner to see what your choice means for your pension. Get in touch with us if you have any questions.
In the video below, employee consultant Rob van der Wal explains more about the option of first receiving a higher pension and then a lower one.
The reverse is also possible: receiving a lower pension first and a higher pension later. This option can be interesting if you know that a lower amount will be enough during the first period after retirement. For instance because your partner is still working. Whether this is the right choice for you depends on your personal situation. Do you want to use this option? Then please contact us.
You can exchange partner pension for additional retirement pension for yourself. In that case, your partner will receive less or no partner pension upon your death. This may be a good idea if your partner has enough income of their own to get by. Is your ex-partner entitled to a special partner pension? Then you cannot exchange this for additional retirement pension.
If you do not have a partner, we will automatically replace the partner pension for you. This means that your pension will be higher. You can also exchange part of your pension for additional partner pension. For instance if your partner has no income or a small income. This does mean, however, that your pension will be lower.
Think carefully in advance about how much you and your partner (upon your death) will need to make ends meet.
On your retirement date, you can withdraw up to 10% of your total retirement pension at once. You can use it to pay off your mortgage, to renovate your house or to travel. That might sound attractive. But remember that you will then receive a lower pension for the rest of your life. You can use this option from 1 January 2029 at the earliest. The relevant legislation has not yet been finalised. We will keep you informed via our website.
Is your total pension less than €632.63 gross per year (2026)? Then you can buy off your pension when you retire. You will then no longer receive a monthly pension from PME.
Your pension is subject to tax (income tax). You can ask us to apply payroll tax reduction (loonheffingskorting) to your pension. When you apply for your pension with us, you can make this choice.
First check out which option fits your situation best.