Pension funds in the Netherlands are in somewhat better shape again, but are far from out of the woods. The investment results were ultimately better than expected in 2016, but we are dealing with a low market interest rate, which means that the coverage ratios still remain on the low side. The financial situation of Mars Pension Fund (MPF) has also improved. I would like to take you through the current developments and their financial impact on our pension fund.

If you take vacation days, you will get paid. And you will also build up a pension. If you take unpaid leave, however, it may affect your pension. For example, if you take parental leave or a sabbatical.

On April 5, 2017, the Seniors Club was updated again on Mars Pension Fund.

Wim van de Laar has been on the board of Mars Pension Fund since 2003. He recently made himself available for another 4-year term.

The state pension age will increase by three months in 2022. This will bring the state pension age to 67 years and three months. The regulation applies to everyone born after 1954.

Wim van de Laar has been on the board of Mars Pension Fund since 2003. He now makes himself available for another 4-year term.

Are you building up a pension at Mars Pensioenfonds? If so, you receive a Uniform Pension Overview (UPO) every year. Your UPO gives an insight in your pension situation. You can view your UPO online on our website at 'My Post', should you not have the paper version within reach.

... you want to retire earlier? The standard retirement age is 67, but you can start your pension earlier. There are, however, a number of things you need to take into account.

The Dutch pension system is under pressure. Major causes are low interest rates, an aging population and the fact that people are living longer and therefore need to receive pensions for longer.

Price developments may affect the composition of a particular portfolio, as a result of which it may temporarily deviate from the Life Cycle and Self-Directing Investing. This is checked once a year and adjusted if necessary.