Pensioen 1-2-3 English2020-03-11T14:51:05+01:00

Pension 1-2-3

Welcome to Pensioenfonds Detailhandel, the pension fund for the retail trade. This Pension 1-2-3 explains what is and what is not included in our pension scheme. This is important to know, for example if you change jobs. Pension 1-2-3 does not contain any personal information about your pension. You can find this information on

You can find your personal page at “Log In”. This page is called “Mijn omgeving” It contains your details and personal documents. You can also leave your e-mail address there. Logging in is easy using your DigiD.

What can you find in layers 1, 2 and 3?
Pension 1-2-3 consists of three layers. This first layer gives the most important information about our pension scheme in brief. Layer 2 offers more information about all the subjects in layer 1. Layer 3 sets out legal and policy-related information. You can also request layers 2 and 3 from our Pension Desk, at telephone number 0800-1972.

Below, you can read what you will and will not receive as part of our pension scheme.

Retirement pension

Are you retiring? Then you will receive a retirement pension for as long as you live.

Partner pension 

In the event of your decease, your partner will receive a partner pension and your children an orphan’s pension.

Incapacity for work

If you become incapacitated for work, your pension accrual will continue (in part), but you will no longer pay any contributions yourself.

Find out more?

Want to know exactly what our pension scheme has to offer? Access the regulations at or request them from us.

Incapacity for work

If you become incapacitated for work, you will not receive any supplementary disability pension.

You accrue pension in three ways:

  1. State retirement pension (AOW): This is the pension you may receive from the government. Read more about
    AOW at
  2. Pensioen at Pensioenfonds Detailhandel. You accrue this pension through your employer. This is explained in this Pension 1-2-3.
  3. Pension you arrange yourself, for example by means of an annuity or bank savings.

Average pay scheme
You accrue part of your pension with us every year. Your pension is the sum total of all those parts. From your retirement date you will receive this pension for as long as you live. This is referred to as the average pay scheme.

Accrual rate
You accrue part of your pension each year, but not over your entire wages. If you have a full-time position, for example, you will not accrue pension over an amount of € 13,101. You accrue 1.662% of pension over your salary minus this threshold amount every year.


You and your employer both pay towards your pension
You pay a contribution towards your pension each month. Your employer does the same. At Pensioenfonds
Detailhandel the contribution totals 21.6%. Ask your employer how much you pay and how much your employer pays. The contribution you pay is also stated on your pay slip.

Did you accrue pension elsewhere? Then you can transfer this pension to Pensioenfonds Detailhandel. You can request this via “Mijn omgeving”.

Do you want to exchange part of your partner pension for additional retirement pension? This is one of the options you have upon retirement.

Do you want to exchange part of your retirement pension for additional partner pension? You have this option when you retire or stop working.

Would you like to retire early or late? You have to request this at least three months before your retirement date. You should also discuss this with your employer.


Would you like to receive a higher pension first and a lower pension later, or the other way around? This is one of the options you have upon retirement.


Ready to compare your pension scheme? Click to go to the pension comparer.

The amount of your pension is not fixed. We may be unable to increase your pension in line with price developments, as we are faced with a number of risks, including the following:


  • The average age of people in the Netherlands is increasing. This means that we have to pay the pension for a longer period of time.
  • Low interest rates mean that pensions become more expensive. This means that we require more money to be able to pay the same pension.
  • The results of our investments may be disappointing.

We do our utmost to increase your pension in line with wage developments every year.
This is called indexation. We can award indexation only if the financial
situation of our pension fund is good enough.
During the past years we indexed the pensions
for our participants in the following manner:

2017 0,0% 1,4% increase
2016 0,0% 0,3% decrease
2015 0,0% 0,8% increase

In the event of a shortfall, we will take one or several of the following measures, if necessary:

  • The pension does not increase in line with the prices.
  • You pay a higher contribution.
  • Your pension is reduced. We only do this as a last resort.

We did not lower the pensions in the years 2015, 2016 and 2017.

Pensioenfonds Detailhandel incurs the following costs to implement the pension scheme:


  • Administrative costs
  • Costs of asset management

If you change jobs. The pension you have accrued with us can be transferred to your new pension fund or insurer.


If you become incapacitated for work.



We will be automatically informed if you marry or enter into a registered partnership. Are you living together unmarried? Then you can register your partner via
“Mijn omgeving”.


We will be automatically informed if you are divorcing or end a registered partnership. If you no longer live together unmarried, you have to de-register your partner via
“Mijn omgeving”.


If you are moving abroad.


If you become unemployed.


Do you want to know how much pension you have accrued overall? Then go to

If you have any questions, or if you would like to select one of the options, please contact the Pension Desk, telephone
0800-1972, or send an e-mail to