Every year in April, we recalculate your pension payment based on the financial results of the previous year. To minimise reductions in pension payments as much as possible, the fund has a buffer: the solidarity reserve. Capital required to pay out pension benefits Each year, the amount of capital required to meet the current and future pension payments for [...]

Worried about money matters? Talking helps!  Talking about money worries continues to be taboo. Often there is a great sense of shame in sharing such concerns with others. Unable to make ends meet at the end of the month, constantly being in the red; having money worries can happen to anyone. Even when you manage your money well, events [...]

Using TextBuddy, an AI tool, the TNO Pension Fund is making communications about your pension simpler, clearer and more accessible. This smart tool can simplify, translate and even read texts aloud, so that all our members can understand our pension information without difficulty – including those members whose first language is not Dutch. For TextBuddy can translate into more [...]

Every quarter, we report on our sustainability policy on our website. This time we are reporting on the past quarter: the fourth quarter of 2025. This memo covers what we have achieved over the last quarter: The number of companies and countries we have excluded from direct investment based on the exclusion criteria in our sustainability policy. How much [...]

Those who still have TOP capital and are within 10 years before their state pension date can still apply until Friday 27 February 2026 to convert their TOP capital into a monthly benefit starting on 1 June 2026 and continuing until the state pension date. As we have communicated in previous posts on this, you do not need to adjust the [...]

More and more pension funds are implementing socially responsible investment policies. They look not only at the financial side of investing, but also at the impact on people, the environment and society. Pensioenfonds TNO also wants to be aware of the impact of its investments, in line with its social role. The fund therefore follows an investment policy based [...]

Plan’s assets and liabilities for which the pension fund bears the risk The value of the plan’s assets for which the pension fund bears the risk amounted to rounded €3,964 million at the end of the fourth quarter of 2025. Compared to year-end 2024 (€4,060 million), this represents a decrease of €96 million. The market value of the pension [...]

This edition includes: An interview with Coby who took early retirement at age 60 An update on the new pension scheme with a useful timeline Three frequently asked questions about your new pension scheme Board member Murielle van Geijn-Lodder talks about the importance of excellent data The ins and outs of the new pension scheme Besides great stories and [...]

New (prospective) board members: Coby van den Berg joins the board as member on behalf of pensioners and Tom de Koninck as member on behalf of employees The call for new board members on behalf of both employees and pensioners in 2025 attracted several candidates. Elections were subsequently organised for both groups. These led to the nomination of Tom [...]

In 2025, pensions were indexed by 1.42%; in 2026, pensions will increase by 2.07% effective 1 January 2026. The goal is to annually increase the pension entitlements and pension rights of (former) members and pensioners by the full price index. This is why we first review the price index for one year. The Board uses the price increase derived [...]