As a member of staff of the University of Twente you are obliged to accrue a pension with the ABP (Algemeen Burgerlijk Pensioenfonds) pension fund. This is the pension fund for the government and education sectors.

 The ABP pension plan comprises three group pensions: ABP KeuzePensioen (old age pension), ABP Nabestaandenpensioen (surviving dependants' pension) and ABP Arbeidsongeschiktheidspensioen (occupational disability pension).

You can find more information about ABP and the ABP pension plan on

 In the ABP pension plan the compulsory accrual of the old-age and survivors' pension is maximized on a full-time annual income of € 103,317 (pro rata with part time). On a voluntary basis you can take out a net pension product for income above this maximum.

Net pension products

The tax rules for pension accrual changed on 1 January 2015. The accrual of the old-age and survivors' pension is therefore maximized on a full-time annual income of

€ 103.317 (reference date: 1 January 2017, pro rata with part time). On income above this amount, you no longer accrue compulsory old-age or survivor's pension in the ABP pension scheme.


If you have an ABP annual income of more than € 103,317, you can (partly) offset the austerity on your pension accrual with an additional net pension product for the salary above € 103,317. The ABP annual income can be found on your payslip (top right).

As a UT employee, you have a choice between two net pension products:

For both pension products, payroll administration deduct the premium from the net salary. The value that you have saved up in the net pension product is exempt from wealth tax return (box 3).

For the sake of clarity: taking out a net pension product is not an obligation. You can also choose not to top up the pension you have built up in the ABP pension scheme. This of course affects the height of the pension that is paid upon retirement or death.


The ABP and Loyalis net pension products differ in several respects. Here you can find an overview of some general pro's and con's of both products. This overview is non-exhaustive. For more details and advice you should consult a financial advisor.

 Please note: At present, the ABP net pension scheme does not offer the opportunity to shop around with your accumulated capital; when you retire, you can only arrange your pension payments through ABP and not through another pension provider or insurer. For more information on this topic, please go to the ABP website.


When you register for net pension products, you may have to undergo a medical examination. However, by registering within 3 months of becoming eligible for the pension scheme for the first time, you can avoid the need for such an examination.

 Each year, ABP sends you a statement of the pension that you have accrued with them. In addition, ABP has an online 'personal environment': via MijnABP (only Dutch) you have direct digital access to your own pension details. You can make calculations and simulate pension options. You can log on to MijnABP with your DigiD.

On you can see how much statutory old age pension and supplementary pension you have accrued and with which Dutch pension providers (pension funds and pension insurers). You can access this data with your DigiD.

Do you need personal advice about your pension situation? Make an appointment with
ABP Klantsupport for the consultation that ABP pension specialists organize at the University of Twente.