How do you accrue pension in the ARP plan?
In the ARP plan you build up capital in your own ARP account. The capital can grow through premiums that are paid, the account can grow due to the addition of interest.

How is the interest rate determined?
The interest rate is always set in advance fors six months, whereby the following applies: 

• The interest rate is based on the price index figure, which is published by the CBS (Central Statistical Office). For the price index from July onwards, the period March-March is taken into account.
• The percentage is a maximum of 3% higher than the price index figure.
• The percentage is a minimum of 0% and a maximum of 13% on an annual basis.
• The percentage depends on the return of investments of the fund and the interest accrual is only possible if the pension fund has sufficient recourses to do so.

What does this mean for me?
Are you an active member? Then the interest accrual for the second half of 2024 is 4.14% on an annual basis. 

Are you a deferred member? Then the interest accrual for the second half of 2024 is 3.98%.

Why isn’t the maximum interest rate granted?
The height of the percentage of the interest accrual is based on the price index figure, which is published by the CBS. For the price index figure from July onwards, the period March-March is taken into account. The Pension Fund aims to increase the price index figure with 3%. If the return of investments are not sufficient enough to fund this, there is the possibility that there is a return of investment left from previous years so the maximum interest rate can still be granted. At this time this reserve is not sufficient enough to increase the price index figure with 3% and has the accrual percentage been set lower.