General

AOb is aiming for a new pension plan for the summer

The unions, employers' organizations and pension fund ABP hope to have a plan for the new pension system before the summer. “The talks are going well,” he says AObpension adviser Roelf van der Ploeg.

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pension effect

In 2020, the unions, the employers' organization and the cabinet will close a pension agreement containing new rules about pensions. The strict rules have been abandoned, allowing pension funds to increase or decrease their pensions more quickly. The amount of the pension will depend on the income from investments. So you can see more directly whether things are going well or badly.

Not a penny is lost through this operation

Premium

Another agreement in this agreement is the abolition of the average premium. Now everyone within a sector pays the same premium and everyone accrues the same pension entitlement. In the new system, employees do not accrue rights, but a personal pension capital. Employees continue to pay the same contribution and the contribution money goes to the personal share in the pension assets. In the old system, young people paid too much premium for the entitlement they accrued. Young people's money can pay off for longer and is therefore expected to yield a higher pension. This is no longer the case in the new system.

In December 2022, the House of Representatives passed the law regulating the new pension system. This law is now before the Senate. The law is expected to come into force in the summer - if the Senate has approved it.

With the new rules for pensions, pension funds must consult with the trade unions and employers about the concrete details. They get 3,5 years for this. Van der Ploeg negotiates on behalf of the AOb with the ABP pension fund, to which all teaching staff is affiliated. “This pension fund is about the distribution of about 470 billion euros,” says Van der Ploeg. Questions that the negotiators must resolve are: how much premium will everyone pay. But also: will there be a fund for solidarity and if so, how much will it contain? “These are questions we are emphatically working on at the moment,” says Van der Ploeg.

A solid solidarity pension remains for the AOb the base

Former minister Wouter Koolmees, who concluded the pension agreement at the time, leaves this to the pension providers. “It can therefore also differ per pension fund,” says de AObpension adviser. According to Van der Ploeg, a major point is the abolition of the average premium. “With a 25-year-old, the pension can pay off even longer than with a 65-year-old. If you are now 45 years old, you have paid too much at first, without benefiting from the advantage of paying too little when you get older. So there must be a transitional arrangement. We have to find a solution for that.”

Nothing lost

What is particularly important, according to Van der Ploeg, is that teaching staff will not receive less pension as a result of these new rules and their elaboration. “Not a penny is lost through this operation. We try to let everyone keep what they have, even when the economy gets worse. Then we want to absorb that with a solidarity pot. A solid solidarity pension remains for the AOb the base."

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