FAQ

Yes, a cutback of your pension is possible. Pensions will move in line with the results of the investments. The solidarity reserve can be used to try to prevent reductions in pension benefits. As long as the solidarity reserve is large enough, we will keep your pension benefit the same as the previous year's level. An increase is possible again if the returns are positive again.

The amounts in the letter with the first estimate of pension in the new pension scheme are based on the information of September 30, 2025. The funding ratio on January 1, 2026 will ultimately determine exactly how the assets of the Heineken Pension Fund will be distributed.

Yes, it is included in the accrued pensions, calculated as at December 31, 2025 in the first calculation. The final indexation of pensions as of January 1, 2026 will be announced in December. You will receive the increased pension for the first time in January 2026.

We have made an estimate of your pension if we are faced with significant windfalls or setbacks. This provides insight into what kind of pension you can expect if things go (very) badly, what you can expect on average and what is possible if things go (very) well.

In the Netherlands, you accrue pension in three ways:

1. AOW: you receive this pension from the government from a certain age. You can read more about the AOW on the website of the Social Insurance Bank (SVB).

2. Pension through your employer(s), including Heineken. If you work at HEINEKEN, you pay contributions for your pension every month. You can see how much this is on your payslip. The employer also pays contributions for your pension. We invest this money, so that it grows.

3. Additional arrangements made by yourself. For example, with an annuity or bank savings.

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Are you not satisfied with our information or how you have been treated? Or do you disagree with how we apply the (legal) rules? Then you can file a complaint about this. This can be done by e-mail to pensioenfonds@heineken.com, via the contact form on our website or by post to our address.

On our website you will find our complaints procedure under Downloads - complaints procedure.

You have a few choices regarding your pension. Especially when you retire. You find and overview of all choices under Pension at HEINEKEN - What choices do you have.

The Heineken Pension Fund incurs the following costs to administer the pension scheme:

1. Costs for administration.

2. Costs to manage the assets.

3. Transaction costs.

We administer the pension scheme. In order to be able to do this correctly and to inform you, we use some personal data. Personal data says something about you. Such as your name and date of birth or the IP address of your computer. At the bottom right of our website, you will see 'privacy'. There we tell you which personal data we process and for what purpose.

My Pension is a secure part of our website where you can see your personal information about pensions. Here we also prepare personal messages about your pension.

The Heineken Pension Fund has an Association of Pensioners, namely the Association of Pensioners at Heineken (VvGH). The Association represents the interests of pensioners and their surviving dependants at Heineken and keeps a close eye on all relevant developments and tries to influence them where possible. On our website you will find more about the VvGH under I receive pension.

Pension moves along with your life. If something changes in your life, you should take a look at what this means for your pension and what you need to do. Under My situation changes you will find all kinds of events that can happen in your life with corresponding actions. And contact us if you have any questions. We are happy to help you!

Pensions are paid around the 15th of the month. Our pensions are including holiday allowance.

When you receive a pension, you will receive the previous year's annual statement in My Pension from February. You will receive a notification when the annual statement is ready. You will need the annual statement when filling in the income tax return.

If you don’t receive digital communication from us, you will receive the annual statement by post.

You can find the factor A on the Uniform Pension Statement that you receive every year. The factor A shows how much your pension has grown in a year. You need the factor A if you

• save extra for pension yourself and have to file a tax return; or

• - if you want to save extra for pension yourself and want to know whether and how much tax space you have.

When you retire, you no longer have factor A. You use your annual statement(s) for the tax return.

You have informed us that we may communicate with you digitally. We are happy with that, because this helps us save costs.

Through a study to your risk preference and investing for your pension, the so-called risk preference survey, we ask once every five years how much risk you want to take when investing your pension. All participants will receive an invitation to complete this survey. The investment policy is aligned with the outcome of the risk preference study.

So yes. You can exert influence by completing the survey. It is not possible to choose investments yourself. In 2026 we did a study to your risk preference and investing for your pension. Watch news for more information about the results and follow-up.

We are going to invest in a different way for each age group. If you are younger, we take more risks. As a result, the pension capital can go up and down considerably, but because your pension is still a long way off, you don't have to worry about that.

As you get older and your retirement gets closer, we reduce the amount of risk in investing. In this way, your pension capital is protected as your retirement approaches. And as a result, your expected pension benefit fluctuates less and less. This also means that the older you get, the more precisely we can estimate your pension benefit.

Retirement dateThe retirement date is the first day of the month in which the retirement pension starts (early) for the (former) participant. This means that if, for example, you want to retire on May 15, the actual retirement date will be May 1. The pension therefore always starts on the first day of the month, regardless of the day on which you reach retirement age.

Regular retirement dateThe regular retirement date is the first day of the month following the month in which the (former) participant in question becomes entitled to a benefit under the AOW. The regular retirement date often coincides with the retirement date, but that is not necessary. For example: if your state pension starts on August 12, the regular retirement date is September 1.

Standard retirement dateThe standard retirement date is set on the first day of the month following the month in which you reach the age of 68. This is also the latest date on which the pension must start. The pension fund does not offer the possibility to postpone the pension further after this date. So, if you turn 68 in April, the standard retirement date is May 1.

An exampleSuppose Mr. Bierhaalder turns 68 in June. His standard retirement date is then July 1. However, his state pension will already start on May 15, so his regular retirement date is June 1. If he wants to retire earlier, for example on April 1, he must take action for this himself (retirement date

No. The law still has to be approved. It is not known yet when the law is expected to take effect.

A lump sum is a choice you make when you retire. It means that you will receive up to a maximum of 10% of your accrued retirement pension in your banking account in one go. If you choose for a lump sum, the pension you receive each month will then be lower.

If you have a pension with several pension funds, it is best to contact these pension funds to find out how you can apply for a pension there. On mijnpensioenoverzicht.nl you will see an overview of all pension funds where you have pension.

You pay tax on your income. If you work, you often have one income. You pay tax on that income.When you are retired, you often receive multiple incomes: the state pension from the government and a pension from one or more pension funds. Make sure you apply the payroll tax credit to one of the incomes.

More information about payroll tax credit can be found on the My Pension of the Tax Administration (Belastingdienst).

When you reach retirement age, your pension capital is used as standard for an old-age pension in combination with a partner's pension of 70% of the retirement pension. Within the pension scheme, you can make your own choices about the amount of the partner's pension. If no partner is known in our administration, the entire assets is used for retirement pension.

When you reach retirement age, your pension capital is used as standard for an old-age pension in combination with a partner's pension of 70% of the retirement pension. Within the pension scheme, you can make your own choices about the amount of the partner's pension.

You can retire with us at the earliest 10 years prior to your state pension age. If you want to retire early, you must coordinate this yourself with your manager and contact us. We will contact you six months before you reach the state pension age to ask you to think about your pension and the choices you can make for your pension.

Yes, on Thursday June 18, the webinar how much risk suits you? will take place.

The research is explained in this webinar via Teams. In this webinar we explain how the research works, what the goal is, why the research is important, what happens with the results and when you will hear more about the results. And you can ask your questions anonymously during the webinar. Afterwards, you can watch the webinar via our website.

Registration:

Sign up:

• Webinar: welk risico past bij jou? (Nederlands)

  • Thursday 18 June, 12.00 – 12.45

  • Click here to register

• Webinar: How much risk fits you? (Engels)

  • Thursday June 18, 1 pm – 1.45 pm

  • Click here to apply

A survey that we use to measure measures how much investment risk our participants, former participants and pensioners are willing and able to bear. Read also: Take part in the survey: which risk suits you?

We take the results of the research into account when determining our investment policy. That is why we want to know how much risk you are willing to take for your pension.

By completing the survey, you can influence the way in which your pension is invested and therefore also the amount of your (future) pension. Together with other participants, you give direction to our investment policy. The fact that you can do this is quite unique: in the Netherlands, participants have a relatively large amount of influence on the policy of their pension fund. So your opinion really counts.

You can read more questions and answers about the research here.

Yes, it is included in the accrued pensions, calculated as at December 31, 2025 in the first calculation. The final indexation of pensions as of January 1, 2026 will be announced in December. You will receive the increased pension for the first time in January 2026.

The information on the TUPO relates to your pension with Heineken Pensioenfonds as of January 1, 2026. Information about the state pension and/or pension with other pension providers can be found on www.mijnpensioenoverzicht.nl.

In the new pension plan, you will receive a share of the return on the investments every year. Negative results of the investments are also distributed, then your pension assets go down.

If the economy is doing well for years, your personal pension assets will grow faster.

In the new pension plan, unlike in the old pension plan, there is no maximum increase in pension that you can expect. As a result, the expected pension will be higher if the economy is doing very well.

The chance that your pension will actually be that high is not great. Because the economy is erratic. Sometimes it's good, sometimes it's bad. We therefore expect your pension to be between the low and the high amount.

If the economy is doing badly for years, your pension may be lower. This is because we distribute the proceeds of the investments directly. This is not only about the profit, but also about the losses.