Options upon retirement
You would like to know what your options are when you retire. As a matter of fact, you have various options. The choices you make will influence your pension. The pension planner tells you exactly what your options are and how much pension you will get. You are allowed to combine options. When making your choices, consider carefully how much income you need when you retire. Also take into account your expenses in the longer term. If you want, you can apply for your pension yourself in the pension planner.
- 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.
Pension options
Krijg inzicht in de keuzes voor je pensioen
- Bekijk alle pensioenkeuzes die je hebt bij PME Pensioen op deze pagina
- Gebruik de pensioenplanner. De planner neemt je stap voor stap mee in alle keuzes. Je ziet meteen wat een keuze betekent voor de hoogte van je pensioen.
- Kijk op Mijnpensioenoverzicht.nl. Hier zie je je pensioen dat je bij al je werkgevers hebt opgebouwd. Plus je AOW.
Heb je vragen over de keuzes?
- Bel 088 1947 001 (maandag tot en met vrijdag van 08.00 tot 17.00 uur).
- Stuur een e-mail naar deelnemer@pmepensioen.nl.
- Plan een persoonlijk pensioengesprek. Je kunt naar een pensioenspreekuur bij jou in de buurt gaan of een afspraak maken voor een online pensioengesprek.
Je maakt je eigen keuzes
- Overleg met je werkgever wanneer je je pensioen wilt laten ingaan en als je minder wilt werken.
Vraag je pensioen aan
- Afhankelijk van je keuzes vraag je je pensioen aan.
- Ga je (deels) eerder dan de AOW-leeftijd met pensioen? Vraag je pensioen bij ons aan met de pensioenplanner.
- Wil je op de AOW-leeftijd (deels) met pensioen? Je krijgt enkele maanden voor de AOW-leeftijd automatisch bericht van ons. Hierin staat hoe je je pensioen aanvraagt. Ook als je later of deels met pensioen wilt gaan, kun je dit op het formulier aangeven.
Geef je privé e-mailadres door
- Hebben wij het e-mailadres van je werk? Daarop kunnen we je geen post meer sturen als je met pensioen bent. Geef je privé e-mailadres aan ons door. Dat regel je heel makkelijk door in te loggen op www.pmepensioen.nl/login. Dan krijg je ook tijdens je pensioen pensioenpost.
Bekijk het webinar
Liever eerst wat meer weten over de pensioenkeuzes voordat je aan de slag gaat? Ga naar pmepensioen.nl/webinars en bekijk het webinar over de pensioenkeuzes.
We staan voor je klaar
Vragen over je pensioen? We helpen je graag. Je bereikt ons elke werkdag tussen 08.00 en 17.00 uur. Bel 088 194 70 01, chat met ons of mail naar deelnemer@pmepensioen.nl.
You decide when you want to retire. When considering retirement, it makes sense to use the statutory retirement age as a guide. This is why we will inform you about your pension six months before you reach your statutory retirement age. However, you also have the option of retiring earlier or later. You can retire from the age of 55. Your pension must commence within five years of you reaching your statutory retirement age.
You can take partial retirement and carry on working part-time. You can take partial retirement from age 55. You will continue to accrue pension over the hours you still work.
Find out more about partial retirement
You will receive the same pension every month as standard. 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 statutory retirement 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 in the initial period. For example, if you have a mortgage.
You can also opt to receive a lower pension at the beginning. You will then receive a higher pension for the rest of your life. If you would like to know more about this option, please make an appointment with our employee consultant.
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. If you have any questions, please contact us.
In the video below, Rob van der Wal, our Employee Consultant, 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 July 2026 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 €613.52 gross per year (2025)? 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.