Step 1: Are your finances in order?

It's comforting to already know how much disposable income you will have after you retire. It means you can plan ahead.

If you meet the conditions, you as an employee of J&J can make use of the Financial Wellness benefit. An advisor from Partners in Planning will help you gain financial insight into your pension situation. You can register on the FYB portal if you have received an invitation. 

Download the 'Insight into your pension step-by-step plan' (pdf) and follow the steps so you know how you stand. So you can take individual measures, if necessary.

After retirement, your income may consist of different components:
 When you retire, your pension can come from a number of different sources:

  • AOW (State Pension)
    In addition to the pension that you have built up with your employer(s), you will receive an AOW pension (General Old Age Pensions Act) from the Dutch government. The statutory retirement age is set to go up in steps. Visit SVB.nl for further details, such as what retirement age applies to you.

  • Pension from J&J Pension Fund OFP
    At your annual Uniform Pension Overview (UPO) and in the pension planner at My pension you can check how much pension you will receive from the J&J Pension Fund OFP.

    •  Are you accruing a pension with our pension fund? Then you will see the amounts based on your current situation including the pension accrual until the age of 68. With our pension fund, the default retirement age is 68.

    •  Are you no longer working for one of the affiliated employers in our pension fund? Then you will see your accrued pension up to the date that you left employment.

    On the UPO, you can also see how much pension any surviving relatives will receive in case of your death.

    My pension

  • Pension from other employer(s)
    Are you no longer employed by one of the employers associated with the J&J Pension Fund OFP? And are you now building up a pension somewhere else? Or were you previously accruing pension with another employer and did not have it transferred to J&J Pension Fund OFP? Then you might also receive a pension from your other pension scheme(s).

    At mijnpensioenoverzicht.nl you can see how much pension you have accrued – in addition to your AOW – through J&J Pension Fund OFP and any other employers. Any supplementary income you have arranged yourself will not be shown. You can log in with your DigiD. You will see your gross pension as well as your estimated net income. Under 'Pension outlook' you will find an estimate of the amounts based on a positive or negative economic scenario. Having insight into your financial situation helps you make the right choices for your retirement.

  • Own income
    Perhaps you have a single-premium policy, annuity or other nest egg, for instance on a savings account? Do you expect any assets from an inheritance? Or your own home that you have (almost) paid off? Ask a financial consultant for advice on your options.

Please make sure we can also reach you when you have retired!
Therefore, register your private email address.