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Blog: Automatic value transfer
A standard value transfer is made when requested by a member. However, it is possible that you have received a letter from the Heineken Pension Fund (HPF) concerning an incoming value transfer of pension you have accrued with a previous employer without having requested the transfer yourself. This is called an automatic value transfer. This blog explains how the automatic transfer works.
Blog: Cohabitation and Partner’s Pension
When you get married, a number of things are arranged automatically. But if you start living together, nothing will be arranged automatically. This includes your partner's pension. In this blog we explain to you what partner's pension is and what you need to do as a cohabiting partner in order to get a partner's pension.
Blog: Divorce
In the event of a divorce, you will not initially think about your pension. However, this is an important point to consider. Your ex-partner is entitled to a part of your pension. You can also claim a part of the accrued pension of your ex-partner. In this blog we give you more information about the influence of a divorce on your pension.
Blog: Do you know how much pension you will receive?
The day you retire may be many years ahead of you. Nevertheless, it is good to regularly check your pension. Will you get enough pension to enjoy it? Or what does early retirement mean? With the new Pension Checker app you will immediately receive answers to these questions. Checking your pension has never been easier.Have you been divorced, have you started working more or less days, or have you lived abroad for a longer period of time? This affects your pension. See how you are doing with the new Pension Checker app. You will get insight into your income later.Download the app (only available in Dutch). The Heineken pension planner ‘’Opkoers’’ is available in English. For more information, see the last paragraph of this blog.
Blog: No indexation compensation per 1 January 2020
We are halfway through December and the festive season is fast approaching. The year 2019 has almost ended. Like other pension funds our policy funding ratio has gone down over the past year. This is primarily due to the continuous decrease in the rate of interest. That is bad news for our pension fund. The consequence of a decreasing rate of interest is that we must put aside more funds to be able to pay out all pensions in the future. Up to now our investments have done well, but not well enough to compensate the consequences of the decrease in interest rates. Unfortunately, this has resulted in a worsening of the financial position of our fund.
Blog: Pension Triangle
We indicated in the previous blog that we have incorporated the amended agreements in the Collective Labor Agreement into our pension regulations. There may be agreements in your employment contract, in the collective labor agreement and in our pension regulations. But what about all those agreements and how do they relate to each other. In this blog we will explain this to you.
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