You will get more insight into your pension accrual, because you can see exactly how much is contributed and how it is being invested. In addition, your pension therefore fluctuates with the economy. The survivors' pension is also standard in the new system. In the overview below, you can see exactly what remains the same and what changes.
Your personal pension capital will be gradually invested with less risk starting from the age of 41, so that you are less affected by economic fluctuations. This way, your pension remains as stable as possible until your retirement date.
As you get older
Less risk
Under the current system, all participants - young and old - accrue the same pension rights. That means that young participants contribute to the pension accrual of older participants. In the new pension system, there is an equal contribution rate for every participant, but with an accrual based on your age. With the switch to the new pension system in which therefore only the contribution (premium) is fixed, this may mean that some participants will accrue less pension than they do now. If you are 35 years or older and accrue pension with Pensioenfonds Horeca & Catering on January 1st, 2026, you will receive compensation for this.
Are you 35 years or older?
You may receive compensation
Your partner and/or children will receive a standard amount if you work in hospitality or catering industry and pass away.
You get your own pension capital and can clearly see how much you contribute and what happens to your investments.
If the economy is doing well, your pension may increase faster. Is the economy doing poorly? Then your pension may also decrease faster.
What will change for you?
You receive a lifelong pension and choose when you want to retire.
You pay the pension contribution together with your employer, and that money is invested.
When you retire, you can choose whether you want to convert a portion of your pension to a survivors' pension.
What remains the same for you?
Your pension can't always increase, even if the economy is doing well.
You don't see clearly what happens to your invested money.
Survivors' pension is not included as standard in our system.
The current system
You get more insight into your pension accrual, because you can see exactly how much is deposited and how it is invested. In addition, your pension therefore moves faster with the economy. The survivor's pension is also standard in the new scheme. In the overview below you can see exactly what remains and what changes.
Your personal pension capital is gradually invested with less risk from the age of 41, so that you are less affected by economic fluctuations. This way, your pension remains as stable as possible until your retirement date.
As you get older
Less risk
Under the current system, all participants - young and old - accrue the same pension rights. That means young participants pay part of the pension accrual of older participants. In the new pension plan, there is an equal contribution rate for every participant, but with accrual based on your age. With the switch to the new pension scheme in which therefore only the contribution (premium) is fixed, this may mean that some participants will accrue less pension than they do now. If, on January 1, 2026, you are 35 years or older and accrue pension with Pensioenfonds Horeca & Catering, you will receive compensation for this.
Are you 35 years or older?
You may receive compensation
Your partner and/or children will receive a standard amount if you work in hospitality or catering and die.
You get your own pension capital and clearly see how much you're putting in and what happens to your investments.
If the economy is doing well, your pension may rise faster. Is the economy doing poorly? Then your pension may also fall faster.
What will change for you?
You receive a lifetime pension and choose when to retire.
You pay the pension contribution together with your employer and that is invested.
You choose when you retire or whether you want to convert a portion to a survivor's pension.
What remains the same for you?
Your pension can't always go up, even if the economy is doing well.
You don't see clearly what happens to your invested money.
The survivor's pension is not standard included in our scheme.
The current scheme