Choosing the pension that suits you
SSPF helps you compare fixed and variable pension options. Curious about a fixed pension? We make it easy to request a sample calculation. Choose with confidence the pension that suits you.
Welcome, SSPF retiree
In spring 2027, you will make an important choice about your pension. Will you choose a variable pension with Stichting Shell Pensioenfonds (SSPF)? Or does a fixed pension suit your wishes and situation better? SSPF and Zwitserleven have a partnership so that you can compare both options properly.
How do we work together?
SSPF supports you in making a suitable choice between a fixed pension and a variable pension. This makes it easy for you to explore whether a fixed pension suits you and to request a sample calculation. Plus, thanks to this partnership, you benefit from a special collective rate at Zwitserleven.
Please note: the partnership between SSPF and Zwitserleven does not mean that you are obliged to purchase a fixed pension from Zwitserleven. You may also purchase a fixed pension from another pension insurer. This is called the right to shop around.
Variable pension at SSPF or a fixed pension at Zwitserleven?
To help you get started, we have outlined the key characteristics of a variable pension at SSPF and a fixed pension at Zwitserleven below. This will quickly make both the similarities and differences clear.
| Variable pension with SSPF | Fixed pension with Zwitserleven | |
|---|---|---|
| Pension provider | You will continue to receive your pension from SSPF. | Your pension capital will be transferred to Zwitserleven. You will receive a pension from Zwitserleven. |
| Lifelong pension | You will receive a lifelong pension from SSPF. | You will receive a lifelong pension from Zwitserleven. |
| Buffer allocation | In July 2027, the SSPF buffer will be distributed. Both with the variable pension with SSPF and the fixed pension with Zwitserleven, your share of the buffer will be allocated to your personal capital. There is no difference here. | |
| Future pension development | Your pension moves in line with, among other things, investment results. This is expected to lead to a rising pension, but results may also be negative in a given year. Fluctuations are limited as much as possible by spreading results over five years. Due to the risk-sharing reserve, the chance of the pension decreasing in the first 15 years is small. However, it is not completely ruled out. Is there still money left in the risk-sharing reserve after this period? If so, it will remain in place to limit decreases as much as possible after that. | For almost all participants, the fixed pension is initially higher than the variable pension. The average participant can expect around 5% to 8% more pension in the first year. Exactly how much higher a fixed pension would be for you depends on your personal situation. That is why you should request a sample calculation. Because it is a fixed pension, this income is guaranteed. It does not decrease, but it will not increase either. It is also not adjusted for inflation. You will receive the same gross amount from Zwitserleven every year. |
| Choices made earlier | The choices you made at retirement will remain in effect. | The choices you made at retirement will remain in effect. |
| Partner's pension | The choice you made for your partner's pension will remain in effect. | The choice you made for your partner's pension will remain in effect. |
| Payout | You will continue to receive your pension from SSPF. | After your final choice, you will receive your pension from Zwitserleven. |
Good to know
The difference between a fixed pension from Zwitserleven and a variable pension from SSPF may become larger or smaller in the future. This means that the variable pension from SSPF could later also be higher than the fixed pension from Zwitserleven.
When deciding between a variable pension with SSPF and a fixed pension with Zwitserleven, consider:
- How much certainty about your pension you find important.
- Whether you value a higher pension income at the start with a fixed pension from Zwitserleven more than a variable pension that can decrease in the future but can also increase.
- Whether you believe inflation will be high in the coming years, impacting your pension's purchasing power.
- How your variable pension might develop later, giving the chance of a higher pension, but also the risk of a lower pension.
How much higher the fixed pension with Zwitserleven will be at the start compared to a variable pension depends on your personal situation. Therefore, request a trial calculation to get insight into this. This way, you can consider this factor when determining your choice between a fixed or variable pension.
What does our partnership bring you?
Guidance with your choice
You only make the choice between a fixed pension and a variable pension once. SSPF therefore wants to help you get a clear picture of both options. Through the PensioenVerkenner and the dedicated explanation page on the Care website, you will gain insight into the differences between a fixed pension and a variable pension. You can also make use of personal guidance via SSPF.
Easy application
Thanks to the agreements we have made with SSPF, you can easily request a trial calculation for a fixed pension from us. This allows you to compare the options properly, without having to work out where to start yourself.
Special collective rate
Thanks to the agreements between SSPF and Zwitserleven, you benefit from a collective rate that is specially available for SSPF retirees.
Naturally, you always remain in control. The choice is yours.
Request a trial calculation
When can you request a trial calculation?
Are you curious about what a fixed pension from Zwitserleven could mean for you? If so, you can request an illustration for the fixed pension with Zwitserleven from September 2026 until no later than 15 January 2027. This illustration gives you an indication of the amount of your fixed pension with us. The illustration is without obligation, so you are not committing yourself to anything.
How it works
- You indicate in the PensioenVerkenner or on SSPF’s information page that you are interested in the fixed pension from Zwitserleven. By doing so, you give SSPF permission to pass on to us the details relevant to the illustration.
- SSPF shares these details with us. We use the details only for the illustration and not for any other purposes.
- As soon as your pension capital is also known, probably from November, we will get to work for you.
- You will receive your personal illustration as soon as possible. This gives you a clear picture of what a fixed pension from Zwitserleven means for your situation.
- You can compare our information (and that of any other providers from whom you have requested a quote) with the information about the variable pension that you receive from SSPF. Based on this, you can make a well-informed choice between a fixed or variable pension.
How will you receive your illustration?
In the way that suits you best. Do you usually receive information from SSPF digitally? Then you will also receive your illustration digitally. Would you prefer to receive your pension information by post? Then we will send the illustration to your home address.
Would you like to continue with our fixed pension?
Have you requested an illustration from us? If so, you will automatically also receive a quote for the fixed pension with Zwitserleven in spring 2027. The quote will state your starting capital at that time. And the fixed pension you will receive from us with it. That quote is also without obligation.
Does switching to our fixed pension sound right for you? If so, we will explain in the quote how this works.
Why Zwitserleven?
As a pension insurer, we have been helping people in the Netherlands make important choices about their income for later life for generations.
- More than 125 years of pension experience
- Special collective rate for SSPF retirees
Good to know
Can I also choose another insurer?
Yes. You are always free to request a quote from another insurer. This is called the right to shop around.
SSPF has chosen to work with Zwitserleven for the fixed pension. That is why our processes are aligned, and we can offer SSPF retirees a special group rate.
Am I locked in if I request a trial calculation or quote?
No. Requesting a trial calculation or quote is free of charge and without obligation. You can review the results at your leisure and compare them with other options. Only then will you make a final decision.
Can I apply directly with Zwitserleven?
The application for a trial calculation or quote goes through SSPF. This ensures that you first receive all the information about both fixed and variable pensions and can properly compare the options. Therefore, you request a trial calculation or quote for a fixed pension from Zwitserleven via the PensioenVerkenner or the SSPF information page.
I live abroad, what can I do?
At this time, applying for a fixed pension with Zwitserleven is not possible. Should this change, we will inform you on this page.
Where can I go with my questions?
For questions about variable pensions or our collaboration with your pension fund, please visit the website of your pension fund.
Would you like to know more about Zwitserleven's fixed pension or about requesting your trial calculation? You can call us at: 020 - 347 88 94
You can also ask your question via the contact form.
Step by step to your choice in 2027
In the coming months, we will continue to update this page. Here, you will find the latest information on our collaboration with your pension fund. And when and how you can request a calculation.