
Pension 1-2-3: layer 1
Through your employer you accrue pension with PPF APG. This is laid down in your collective labor agreement (‘CAO’). In this ‘Pension 1-2-3’ you can read what you will and will not receive 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 that information on www.mijnpensioenoverzicht.nl, on your annual Uniform Pension Overview (‘UPO’) and on My PPF APG.
What you will find in layer 1, 2 en 3
Pension 1-2-3 consists of 3 layers. In the first layer, you briefly read the important information about your pension scheme. In layer 2 (Dutch) you will find more information about all topics in layer 1. And in layer 3 (Dutch) you will find legal and policy information from PPF APG.
Please note that only layer 1 is available in English. Layer 2 en 3, the links in this article and the legal documents are all in Dutch. For more detailed information about your pension scheme you can contact your HR department.
This is layer 1.


Read more about partner’s pension
Read more about orphan’s pension

Read more about invalidity pension



A. AOW: you receive this pension from the government. You can read more about the AOW on the website of the Sociale Verzekeringsbank.
B. Pension with PPF APG. You build up this pension via your employer. This is what Pension 1-2-3 is about.
C. Pension that you arrange yourself. For example with a life insurance or bank savings.
These three ways are called the ‘three pillars’. Read more about the three pillars

Read more about average salary scheme

Read more about pension accrual

Read more about premium distribution

Read more about value transfer


Read more about our net pension scheme

Read more about exchanging old age pension for partner's pension

Read more about exchanging partner's pension

Read more about retiring earlier or later

Read more about a higher or lower pension on retirement


- People are getting older on average. We therefore have to pay the pension for a longer period.
- Low interest rates make pension more expensive. PPF APG therefore needs more money to be able to make the same pension payout.
- The results of our investments may be disappointing.

indexation | wage development | |
2020
|
0,00%
|
1,27%
|
2019
|
0,00%
|
0,00%
|
2018*
|
0,66%
|
3,00%
|
2017
|
0,00%
|
1,20% |
2016
|
0,00%
|
0,00%
|
2015
|
0,20%
|
2,00%
|
2014
|
0,75%
|
1,50%
|
* The pensions have been indexed on January 1 of the following year. For example: on January 1, 2019, the pensions were indexed with 0.66% and on January 1, 2016 with 0.20%.

- Your pension does not grow with the increase in wages.
- The premium will go up.
- Your pension will go down. We only do this when all of the above is not enough to fill the gap. Your pension has not decreased in recent years.

- Costs for administration.
- Costs for asset management.

Read more about value transfer

Read more about invalidity pension

Read more about cohabitation

Read more about terminating co habitation agreement

Read more about unpaid leave

Read more about moving abroad

Read more about unemployment

