The new pension scheme explained: from pension entitlement to capital for pension

Your pension scheme will change from January 1, 2026. In the coming months, we will explain the new pension scheme to you in small pieces. This time: the change in the way we build up pension.

How does it work now
You are now accruing a pension entitlement. This is a right to a pension amount that you receive monthly when you start your pension. This is about to change.

How will it work in the future
As of January 1, 2026, all pension entitlements – whether you work at HEINEKEN, have worked at HEINEKEN or receive a pension – will be converted into a personal capital for pension: your personal pension pot. From this capital, you can purchase a monthly pension.

If you work, you build up this capital for pension by paying contributions. This pension pot is supplemented by the return we achieve by investing the pension contributions. You can use your pension pot to purchase a lifelong pension. The pension may vary slightly from year to year because it is increased or decreased by returns, but your pension pot will never run out. That risk is covered jointly with the pension fund.

In the following video, Rogier Bouwman, chair of the board, tells you more about the new pension scheme. Interested to hear more? Under the video you find a link to the webinars of November 2024.

Learn more

• Read (the summary of) the transition plan here. This contains the agreements that the social partners have made with each other about the new pension scheme.
• In November 2024, we outlined in a webinar what will change in the pension scheme. Watch the recording here.
• Keep an eye on this page on our website, here you will find all information about the switch to the solidarity contribution scheme.