The interest crediting rate for the ARP plan for the second half of 2026 has been set at 5.68% per year for active members. For deferred members, the interest rate for the second half of 2026 has been set at 5.47% on an annual basis.
How do you accrue pension in the ARP plan?
In the ARP plan, you accrue capital in your ARP account. This capital can grow through the contributions paid into your account. In addition, your account can grow through interest crediting.
How is the interest crediting rate determined?
The interest rate is set in advance for a six-month period and is subject to the following conditions:
- The interest rate is based on the consumer price index published by the Netherlands Central Bureau of Statistics (CBS).
- For the interest rate applicable from July onwards, the period from March to March is used.
- The rate can be no more than 3% higher than the consumer price index.
- The rate is at least 0% and no more than 13% per year.
- The rate depends on the fund’s investment return, and interest crediting is only possible if the pension fund has sufficient financial resources to grant it.
What does this mean for me?
Are you an active or former member of the ARP plan? If so, the interest rate for the second half of 2026 is 5.68% per year. Are you a deferred member? In that case, the interest rate for the second half of 2026 will be 5.47% on an annual basis.
Why isn't the maximum interest rate granted to deferred members?
The Pension Fund aims to increase the price index figure with 3%. But the return of investments are not sufficient enough to grant the full interest rate.