What can a student job provide?
Being a student or having a temporary contract does not automatically exclude pension accrual. Participation depends on the applicable scheme and mandatory coverage. Employers do not all offer the same arrangement; ask about the provider and conditions.
StiPP has no 26-week waiting period in 2026. Covered workers accrue from their first working day; those under 18 are enrolled from the first day of the month in which they turn 18. Your payslip and provider registration help establish what happens in your job.
AOW is a different provision
AOW is a statutory basic pension; workplace pension may supplement it. AOW age depends on date of birth. The age applicable to someone receiving AOW now is not a fixed retirement age for every student. Consult SVB for your own age and insurance position.
What can you check?
When starting a job, ask about the pension scheme, contributions and any partner cover. View Mijnpensioenoverzicht and later check that participation appears. A discrepancy may reflect information still being updated; ask the provider to explain it.
There is no general age-45 cutoff after which missing accrual can hardly be supplemented. Options depend on income, time, costs, tax room and affordability. Being young does not automatically make an aggressive investment profile or a fixed monthly annuity contribution suitable.
Use general information from Wijzer in geldzaken and the official Pensioen3daagse initiative. Recheck when your work, relationship or country of residence changes.
What does BPH do?
Bureau Pensioen Hulp has no AFM licence. BPH provides general education and, on request, can introduce you to an external adviser using contact details only. BPH does not provide personal product recommendations, compare products for you or mediate in arranging them. Check an external adviser’s authorisation, services and fees yourself.
Frequently asked questions
Does StiPP still have a 26-week wait?
No. Check current age and participation conditions; covered workers accrue from the first working day in 2026.
Must every student invest extra?
Being a student does not establish that. First examine your scheme, affordability, goals and risks.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.