Types of fund
There are company, industry-wide, professional and general pension funds. DNB maintains a public register. A premium pension institution is a different type of provider with a separate register. Insurers can also operate pension schemes.
A general pension fund can operate several schemes in one or more collectivity circles with segregated assets. Mandatory industry or professional participation depends on official scope and any exceptions. A sector name alone does not make every employer a compulsory participant.
Investments, costs and oversight
The fund invests according to its policy and applicable rules. Investments may rise or fall; there is no universal asset allocation or cost percentage for all funds. Read its annual report and your scheme information.
DNB provides prudential supervision and AFM conduct supervision. Internal oversight and participation depend on the governance model, including an accountability body or stakeholder body. Funds do not all have the same combination of bodies. Supervision guarantees neither returns nor full inflation protection.
New pension rules
The transition must be completed by 1 January 2028. Your provider explains your scheme's date and consequences. Do not assume all old rights automatically convert or every scheme has identical reserves and individual choices.
Check statements and ask about changes. Complain to the fund first. GIP handles eligible pension-fund disputes; Kifid is the designated dispute body for insurers and PPIs.
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
Are all pension providers pension funds?
No. Insurers and PPIs are other types of provider.
Do funds all have the same costs and investments?
No. Check the particular fund’s annual report and information.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.