APK Pension check-up 15 years before pension
- One-to-one consultation with pension expert
- Insight into your pension and choices
- Consultation online or on location
As a new employee, you will be offered a Pension MOT consultation by your employer because you have reached approximately 15 years before your retirement date. This is a personal consultation with a pension expert in which you look at your financial future together.
The purpose? To give you insight into your pension, the choices you can make now and in the future, and help you make these choices with more confidence.
What can you expect from the pension check-up 15 years before retirement?
The pension check-up 15 years before retirement takes an average of 45 to 60 minutes. In this consultation, you and the pension expert will look at:
Your current situation
- The pension scheme at your organisation.
- Your current pension accrual and how this will affect your income later.
- The choices you can make now to make your pension fit your wishes better. •
- Whether your current pension accrual is in line with what you think you will need later on — and what you may be able to do about this now.
Wishes and objectives
- Your personal online environment mijn.nn Inkomen Later: you can see where you can find your data and how you can view your situation, how you can communicate your choices and how you determine your risk profile.
- How to add your pension data for a comprehensive financial picture, for example via MijnPensioenOverzicht.nl or the Finch app, with which you can view all your financial data safely in one place.
What do you think about continuing to invest after your pension comes into payment (variable pension?).
Making choices
- How pensions and investments work. What best suits your preferences and how can you make changes?
- Any additional pension insurance for your partner
- Do you wish to continue investing part of your pension after your retirement? You can already have this taken into account in how we invest for you from 15 years before your retirement date.
The possibility of making additional contributions to your pension.
How do you prepare
It is useful to prepare in advance to make the consultation easier:
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1Log on to mijn.nn Inkomen Later and view your personal pension information.
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2Go to mijn.nn Inkomen Later to determine your risk profile by going through the questions.
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3Think about your wishes for later. What do you expect in terms of income? Do you have an idea of what you think you need?
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4Collect data from previous pension schemes if you have them via, for example, mijnpensioenoverzicht.nl (log on with Digid).
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5If you have a partner, you can take them to the consultation. It would be helpful if your partner's pension details are also available for a total picture.
Practical information
Good to know
- We will ask you to complete a short evaluation by email after the consultation is completed. This is anonymous and will help us to improve our service. We appreciate your cooperation in completing it.
Questions about the content of the consultation
Questions about the content of the consultation
Your are welcome to contact our Pension Customer Service. Choose how you wish to get in touch with us at nn.nl/contact-pensioen. We will be pleased to help you.
FAQ
1.Make an appointment for a pension check-up
2.Depending on the pension expert, you will either receive an invitation in your confirmation email with a personal link to the meeting or in a separate email no later than one day before the appointment. The pension check-up can take place via Teams or other video software, depending on the adviser’s preference.
3.At the time of the appointment, click the link (or copy it into a recommended browser).
4.Start your pension check-up
Tip! Test the link as soon as you receive it by clicking it. This will ensure that everything is working and ready for your appointment.
- A laptop, desktop or tablet with working webcam, sound and microphone (a webcam is convenient, but is not necessary). We advise against making a video call with your mobile phone because you will frequently have to look at a screen or overview or your employee portal mijn.nn Income Later together. This works better on a larger screen.
- A stable internet connection (at least 5 MB)
Recent version of one of the following browsers:
- Google Chrome (recommended)
- Mozilla Firefox
- Apple Safari
- Microsoft Edge (from version 79)
- Samsung internet
View all frequently asked questions about the pension check-up