Accrual rate
Each year you accrue pension benefits on a portion of the gross salary that you earned in that year. The portion of your salary on which you do not accrue pension is called the ‘franchise’. Each year you accrue 1.85% retirement pension on the gross salary minus the franchise. The accrual rate of 1.85% is not fixed. Under certain circumstances it may even be lower. In that case you accrue less pension for a certain period.
Example
Let us suppose that you earn € 25,000 per year. The franchise is € 15,000. In that year you accrue 1.85% retirement pension on the pension base of € 10,000. That is € 185 in that year. The retirement pension that you receive annually on retirement is the sum of all the years plus any increase (indexation).
Important!
The flex pension provides for the accrual of pension benefits on an income up to € 137,800. If you earn more, you can save for extra pension via the voluntary net pension plan with Centraal Beheer PPI. To find out more about this, contact Centraal Beheer PPI.
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