{"id":5188,"date":"2025-12-23T18:00:07","date_gmt":"2025-12-23T17:00:07","guid":{"rendered":"https:\/\/spin.nl\/home\/"},"modified":"2026-05-26T11:08:25","modified_gmt":"2026-05-26T09:08:25","slug":"home","status":"publish","type":"page","link":"https:\/\/spin.nl\/en\/","title":{"rendered":"Home"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_38b562fd has_text_color us_animate_this height_medium with_video\"><div id=\"us_bg_video_y438\" class=\"l-section-video\"><script id=\"us_bg_video_y438-script\">!function(w){var node = document.getElementById( 'us_bg_video_y438' );if ( w.innerWidth <= 10 ) { node.remove() }}(window);<\/script><style>@media(max-width:10px){#us_bg_video_y438{display:none!important}}<\/style><video  autoplay loop muted playsinline preload=\"auto\" tabindex=\"-1\"><source type=\"video\/mp4\" src=\"\/wp-content\/uploads\/2022\/12\/Data-Center2-1-transcode.mp4\" \/><\/video><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h1 style=\"text-align: center\">WELCOME TO SPIN!\u200d<\/h1>\n<h2 style=\"text-align: center\">THE PENSION FUND FOR IBM AND KYNDRYL<\/h2>\n<p style=\"text-align: center\">Retirement is not just money for later. Retirement is about the options and resources you will have later on after you retire.<br \/>\nTo give you the chance to continue living happily when you are no longer working. That is what we are committed to every day.  <\/p>\n<\/div><\/div><div class=\"w-iconbox us_custom_8ded8946 icon-bounce iconpos_top style_outlined color_light align_center no_text no_title\"><a href=\"#next\" class=\"w-iconbox-link\" aria-label=\"fas|arrow-down\"><div class=\"w-iconbox-icon\" style=\"font-size:1.2rem;\"><i class=\"fas fa-arrow-down\"><\/i><\/div><\/a><div class=\"w-iconbox-meta\"><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_auto width_full color_primary\"><div class=\"l-section-overlay\" style=\"background:var(--color-header-middle-bg)\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_3 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:0rem;\"><div class=\"wpb_column vc_column_container us_custom_cffc18ea us_animate_this has_bg_color\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_top style_default color_custom align_center no_text no_title icontype_img\"><div class=\"w-iconbox-icon\" style=\"font-size:3rem;--icon-color:#fff;\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<!-- Generator: Adobe Illustrator 27.1.1, SVG Export Plug-In . SVG Version: 6.00 Build 0)  -->\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" id=\"b07c55e0-d0be-4dba-9ef8-0226feccc18b\" x=\"0px\" y=\"0px\" viewBox=\"0 0 200 200\" style=\"enable-background:new 0 0 200 200;\" xml:space=\"preserve\">\n<style type=\"text\/css\">\n\t.st0{fill:none;}\n\t.st1{fill:#FFFFFF;}\n<\/style>\n<rect x=\"0\" y=\"0\" class=\"st0\" width=\"199.8\" height=\"199.8\"><\/rect>\n<g>\n\t<path class=\"st1\" d=\"M100.3,95.9c20.6,0,37.3-16.8,37.3-37.3v-14c0-20.5-16.8-37.3-37.3-37.3h0h0c-20.9,0-37.9,17.1-38,38V58   C62.3,78.9,79.3,95.9,100.3,95.9z M74.3,45.3c0-14.3,11.7-26,26-26c13.9,0,25.3,11.4,25.3,25.3v14c0,13.9-11.4,25.3-25.3,25.3   c-14.3,0-26-11.7-26-26V45.3z\"><\/path>\n\t<path class=\"st1\" d=\"M135.2,107.2L135.2,107.2L135.2,107.2H64.6c-22.4,0-40.6,18.3-40.6,40.6v38.6c0,3.3,2.7,6,6,6h139.9   c3.3,0,6-2.7,6-6v-38.6C175.8,125.5,157.6,107.3,135.2,107.2z M163.9,180.5H36v-32.6c0-15.8,12.9-28.6,28.6-28.6h70.6   c15.8,0,28.6,12.9,28.6,28.6V180.5z\"><\/path>\n<\/g>\n<\/svg>\n<\/div><div class=\"w-iconbox-meta\"><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2>LOGIN<\/h2>\n<p>View your personal situation<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_3\" title=\"MySPIN\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/mijn.spin.nl\/ui\/public\/login\/digid\"><span class=\"w-btn-label\">My SPIN<\/span><\/a><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_7aa2ea94 us_animate_this has_bg_color\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_top style_default color_custom align_center no_text no_title icontype_img\"><div class=\"w-iconbox-icon\" style=\"font-size:3.2rem;--icon-color:#fff;\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg id=\"Laag_1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 800 800\">\n  <!-- Generator: Adobe Illustrator 29.8.2, SVG Export Plug-In . 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class=\"w-btn-label\">Read more<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_medium\" id=\"next\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-grid us_post_list apply_url_params type_grid layout_262 cols_1 valign_center preload_style_spinner ratio_3x2\" id=\"us_post_list_c587\" style=\"--columns:1;--gap:0rem;--item-ratio:0.66667;\"><style>.layout_262 .w-grid-item-h{border-radius:0rem}.layout_262 .usg_post_image_1{transition-duration:0.4s;transform-origin:50% 50%;transform:scale(1) translate(0%,0%)}.layout_262 .w-grid-item-h:focus-within .usg_post_image_1,.layout_262 .w-grid-item-h:hover .usg_post_image_1{transform:scale(1) 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.w-grid-item-h:hover .usg_post_date_2{transform:scale(1) translate(0%,0%);opacity:0}.layout_262 .usg_post_image_1{border-radius:0 0.5rem 0 0!important;position:absolute!important;left:0!important;top:0!important;bottom:-100px!important;right:0!important}.layout_262 .usg_vwrapper_1{color:var(--color-alt-content-text)!important;border-radius:0 0.5rem 0 0!important;position:absolute!important;left:0!important;top:0!important;bottom:0!important;right:0!important;padding:2.6rem!important}.layout_262 .usg_post_title_1{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1.3rem!important}.layout_262 .usg_html_1{border-radius:0 0.5rem 0 0!important;position:absolute!important;left:1.3rem!important;top:1.3rem!important;bottom:1.3rem!important;right:1.3rem!important;z-index:3!important;border:2px solid var(--color-alt-content-text)!important}.layout_262 .usg_post_content_1{color:var(--color-alt-content-text)!important;text-align:center!important}.layout_262 .usg_vwrapper_2{color:var(--color-alt-content-text)!important;height:65px!important;position:absolute!important;left:0!important;bottom:0!important;right:0!important;background:rgba(0,102,176,0.95)!important}.layout_262 .usg_post_title_2{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1rem!important;font-weight:400!important;text-transform:none!important;margin-left:3%!important;margin-right:3%!important}.layout_262 .usg_post_date_2{color:var(--color-alt-content-text)!important;font-size:0.8rem!important;font-weight:100!important;font-style:italic!important;border-radius:0 0.5rem 0 0!important;position:relative!important;left:0!important;top:1rem!important;background:var(--color-content-primary)!important;padding:2px 10px 2px 1rem!important}@media (min-width:1025px) and (max-width:1280px){.layout_262 .usg_post_title_1{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1.3rem!important}.layout_262 .usg_post_title_2{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1rem!important;font-weight:400!important;text-transform:none!important}}@media (min-width:769px) and (max-width:1024px){.layout_262 .usg_post_title_1{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1.3rem!important}.layout_262 .usg_post_title_2{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1rem!important;font-weight:400!important;text-transform:none!important}}@media (max-width:768px){.layout_262 .usg_post_title_1{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1rem!important}.layout_262 .usg_post_title_2{color:var(--color-alt-content-text)!important;text-align:center!important;font-size:1rem!important;font-weight:400!important;text-transform:none!important}}<\/style><div class=\"w-grid-list\">\t<article class=\"w-grid-item size_1x1 post-6035 post type-post status-publish format-standard has-post-thumbnail hentry category-page\" data-id=\"6035\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/spin.nl\/en\/page\/market-trends-and-dc-returns-first-quarter-2026\/\" class=\"w-grid-item-anchor\" aria-label=\"Market trends and DC returns first quarter 2026\"><\/a>\r\n\t\t\t\t\t\t<div class=\"w-vwrapper usg_vwrapper_1 has_text_color align_center valign_middle\" style=\"--vwrapper-gap: 0.7rem;\"><h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\">Market trends and DC returns first quarter 2026<\/h2><div class=\"w-post-elm post_content usg_post_content_1 has_text_color\">The first quarter of 2026 was marked by major geopolitical tensions with impact on international&hellip;<\/div><\/div><div class=\"w-post-elm post_image usg_post_image_1 stretched\"><img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"330\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/07\/Aandelen-tech-e1542284144902.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/07\/Aandelen-tech-e1542284144902.jpg 572w, https:\/\/spin.nl\/wp-content\/uploads\/2024\/07\/Aandelen-tech-e1542284144902-300x173.jpg 300w\" sizes=\"auto, (max-width: 572px) 100vw, 572px\" \/><\/div><div class=\"w-html usg_html_1\"><\/div><div class=\"w-vwrapper usg_vwrapper_2 has_text_color align_center valign_middle\" style=\"--vwrapper-gap: 0.7rem;\"><h2 class=\"w-post-elm post_title usg_post_title_2 has_text_color align_center color_link_inherit\">Market trends and DC returns first quarter 2026<\/h2><\/div><time class=\"w-post-elm post_date usg_post_date_2 has_text_color entry-date published\" datetime=\"2026-05-11T14:38:52+02:00\">11 May, 2026<\/time>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"g-preloader type_1\"><div><\/div><\/div><div class=\"w-grid-list-json hidden\" onclick='return 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class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-grid us_post_list type_grid layout_466 cols_1 preload_style_spinner with_css_animation\" id=\"us_post_list_lb92\" style=\"--columns:1;--gap:0.6rem;\"><style>.layout_466 .w-grid-item-h{}.layout_466 .usg_post_title_1{color:var(--color-alt-content-secondary)!important;font-size:0.9rem!important}.layout_466 .usg_post_date_1{color:var(--color-content-faded)!important;font-size:0.8rem!important;font-style:italic!important}<\/style><div class=\"w-grid-list\">\t<article class=\"w-grid-item us_animate_afb size_1x1 post-5578 post type-post status-publish format-standard has-post-thumbnail hentry category-page\" data-id=\"5578\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\"><a href=\"https:\/\/spin.nl\/en\/page\/want-to-learn-more-about-our-investments-listen-to-our-podcast\/\">Want to learn more about our investments? Listen to our podcast!<\/a><\/h2><time class=\"w-post-elm post_date usg_post_date_1 has_text_color entry-date published\" datetime=\"2026-04-21T08:45:15+02:00\">21 April 2026<\/time>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-5851 post type-post status-publish format-standard has-post-thumbnail hentry category-page\" data-id=\"5851\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\"><a href=\"https:\/\/spin.nl\/en\/page\/important-step-toward-the-new-pension\/\">Important step toward the new pension<\/a><\/h2><time class=\"w-post-elm post_date usg_post_date_1 has_text_color entry-date published\" datetime=\"2026-03-30T18:20:18+02:00\">30 March 2026<\/time>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-5614 post type-post status-publish format-standard has-post-thumbnail hentry category-page\" data-id=\"5614\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\"><a href=\"https:\/\/spin.nl\/en\/page\/market-trends-and-dc-returns-fourth-quarter-2025\/\">Market trends and DC returns fourth quarter 2025<\/a><\/h2><time class=\"w-post-elm post_date usg_post_date_1 has_text_color entry-date published\" datetime=\"2026-02-26T08:51:22+01:00\">26 February 2026<\/time>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4282 post type-post status-publish format-standard has-post-thumbnail hentry category-page\" data-id=\"4282\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\"><a href=\"https:\/\/spin.nl\/en\/page\/gross-net-specification-2026-and-annual-statement-2025\/\">Gross\/net specification 2026 and annual statement 2025<\/a><\/h2><time class=\"w-post-elm post_date usg_post_date_1 has_text_color entry-date published\" datetime=\"2026-01-19T14:40:20+01:00\">19 January 2026<\/time>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"g-preloader type_1\"><div><\/div><\/div><div class=\"w-grid-list-json hidden\" onclick='return {&quot;max_num_pages&quot;:0,&quot;paginationBase&quot;:&quot;page&quot;,&quot;pagination&quot;:&quot;none&quot;,&quot;paged&quot;:1,&quot;ajaxData&quot;:{&quot;action&quot;:&quot;us_ajax_post_list&quot;,&quot;meta_type&quot;:&quot;post&quot;,&quot;object_id&quot;:0,&quot;template_vars&quot;:{&quot;us_post_ids_shown_by_grid&quot;:[6035],&quot;shortcode_base&quot;:&quot;us_post_list&quot;,&quot;paged&quot;:1,&quot;max_num_pages&quot;:0,&quot;no_results&quot;:false,&quot;us_post_content_design_css&quot;:[],&quot;found_posts&quot;:0,&quot;per_page&quot;:4,&quot;items_count&quot;:4,&quot;orderby_random_seed&quot;:null,&quot;source&quot;:&quot;all&quot;,&quot;custom_field_name&quot;:&quot;&quot;,&quot;ids&quot;:&quot;&quot;,&quot;post_type&quot;:&quot;post&quot;,&quot;attachment_ids&quot;:null,&quot;include_post_thumbnail&quot;:0,&quot;post_author&quot;:&quot;any&quot;,&quot;post_author_ids&quot;:&quot;&quot;,&quot;apply_url_params&quot;:&quot;0&quot;,&quot;ignore_sticky_posts&quot;:&quot;0&quot;,&quot;exclude_children&quot;:0,&quot;exclude_current_post&quot;:1,&quot;exclude_prev_posts&quot;:&quot;1&quot;,&quot;exclude_past_events&quot;:&quot;1&quot;,&quot;enable_items_offset&quot;:0,&quot;items_offset&quot;:&quot;1&quot;,&quot;tax_query_relation&quot;:&quot;AND&quot;,&quot;tax_query&quot;:&quot;%5B%7B%22operator%22%3A%22IN%22%2C%22taxonomy%22%3A%22category%22%2C%22terms%22%3A%226%22%2C%22include_children%22%3A0%7D%5D&quot;,&quot;meta_query_relation&quot;:&quot;none&quot;,&quot;meta_query&quot;:[{&quot;key&quot;:&quot;custom_field_name&quot;,&quot;compare&quot;:&quot;=&quot;,&quot;value&quot;:&quot;&quot;}],&quot;orderby&quot;:&quot;date&quot;,&quot;orderby_custom_field&quot;:&quot;&quot;,&quot;orderby_custom_type&quot;:0,&quot;order_invert&quot;:&quot;1&quot;,&quot;show_all&quot;:0,&quot;quantity&quot;:&quot;4&quot;,&quot;posts_per_archive_page&quot;:0,&quot;no_items_action&quot;:&quot;message&quot;,&quot;no_items_message&quot;:&quot;No results found.&quot;,&quot;no_items_page_block&quot;:&quot;&quot;,&quot;pagination&quot;:&quot;none&quot;,&quot;pagination_style&quot;:&quot;&quot;,&quot;pagination_btn_text&quot;:&quot;Load More&quot;,&quot;pagination_btn_size&quot;:&quot;&quot;,&quot;pagination_btn_style&quot;:&quot;1&quot;,&quot;pagination_btn_fullwidth&quot;:0,&quot;items_layout&quot;:&quot;466&quot;,&quot;type&quot;:&quot;grid&quot;,&quot;items_valign&quot;:0,&quot;ignore_items_size&quot;:0,&quot;columns&quot;:&quot;1&quot;,&quot;items_gap&quot;:&quot;0.6rem&quot;,&quot;load_animation&quot;:&quot;afb&quot;,&quot;items_preload_style&quot;:&quot;spinner&quot;,&quot;img_size&quot;:&quot;default&quot;,&quot;img_aspect_ratio&quot;:&quot;&quot;,&quot;title_size&quot;:&quot;&quot;,&quot;items_ratio&quot;:&quot;default&quot;,&quot;items_ratio_width&quot;:&quot;21&quot;,&quot;items_ratio_height&quot;:&quot;9&quot;,&quot;overriding_link&quot;:&quot;%7B%22url%22%3A%22%22%7D&quot;,&quot;popup_page_template&quot;:&quot;0&quot;,&quot;popup_width&quot;:&quot;&quot;,&quot;popup_arrows&quot;:1,&quot;breakpoint_1_width&quot;:&quot;1281px&quot;,&quot;breakpoint_1_cols&quot;:&quot;3&quot;,&quot;breakpoint_1_quantity&quot;:&quot;&quot;,&quot;breakpoint_1_gap&quot;:&quot;&quot;,&quot;breakpoint_2_width&quot;:&quot;1025px&quot;,&quot;breakpoint_2_cols&quot;:&quot;2&quot;,&quot;breakpoint_2_quantity&quot;:&quot;&quot;,&quot;breakpoint_2_gap&quot;:&quot;&quot;,&quot;breakpoint_3_width&quot;:&quot;769px&quot;,&quot;breakpoint_3_cols&quot;:&quot;1&quot;,&quot;breakpoint_3_quantity&quot;:&quot;&quot;,&quot;breakpoint_3_gap&quot;:&quot;&quot;,&quot;conditions_operator&quot;:&quot;always&quot;,&quot;conditions&quot;:[],&quot;css&quot;:null,&quot;el_class&quot;:&quot;&quot;,&quot;el_id&quot;:&quot;&quot;,&quot;enable_custom_html_atts&quot;:0,&quot;custom_html_atts&quot;:null,&quot;hide_on_states&quot;:&quot;&quot;,&quot;hide_for_sticky&quot;:0,&quot;hide_for_not_sticky&quot;:0,&quot;hide_below&quot;:&quot;0px&quot;,&quot;hide_above&quot;:&quot;0px&quot;,&quot;classes&quot;:&quot;&quot;},&quot;found_posts&quot;:0,&quot;per_page&quot;:4},&quot;facetedFilter&quot;:[]}'><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_left\"><a class=\"w-btn us-btn-style_1\" title=\"News Overview\" href=\"https:\/\/spin.nl\/en\/news\/\"><span class=\"w-btn-label\">See all the news<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_large with_img parallax_ver parallaxdir_reversed\"><div class=\"l-section-img\" role=\"img\" aria-label=\"Image\" data-img-width=\"1248\" data-img-height=\"432\" style=\"background-image: url(https:\/\/spin.nl\/wp-content\/uploads\/2022\/12\/Background-swirl.png);background-repeat: no-repeat;\"><\/div><div class=\"l-section-overlay\" style=\"background:rgba(24,144,216,0.30)\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default reversed stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"w-post-elm post_title usg_post_title_1 entry-title color_link_inherit\">Netherlands gets a new pension system<\/h2>\n<div class=\"w-post-elm post_content usg_post_content_1\">On July 1, 2023, the Future Pensions Act went into effect. What is in store for you now? When will you hear what the new law means for you personally, and how will we keep you informed?<\/div>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-btn-wrapper align_left\"><a class=\"w-btn us-btn-style_1 icon_atleft\" href=\"https:\/\/spin.nl\/en\/new-pension-system\/\"><i class=\"fal fa-book-open\"><\/i><span class=\"w-btn-label\">Read more&#8230;<\/span><\/a><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image us_custom_db7d713a has_aspect_ratio align_none\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"443\" height=\"455\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/05\/Boompje.jpg\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2024\/05\/Boompje.jpg 443w, https:\/\/spin.nl\/wp-content\/uploads\/2024\/05\/Boompje-292x300.jpg 292w\" sizes=\"auto, (max-width: 443px) 100vw, 443px\" \/><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_b08249a5 height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_3 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:calc(3rem + 1rem);\"><div class=\"wpb_column vc_column_container us_custom_68c6e958 us_animate_this\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><h2>DC RETURNS<\/h2>\n<p>APRIL<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1 icon_atright\" title=\"DC Returns\" href=\"https:\/\/spin.nl\/en\/page\/dc-returns\/\"><span class=\"w-btn-label\">DC returns<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_a8636f01 us_animate_this\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><h2>129,7%<\/h2>\n<p>COVERAGE RATIO APRIL<\/p>\n<\/div><\/div><div class=\"w-separator size_smal\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1 icon_atright\" title=\"Coverage ratio\" href=\"https:\/\/spin.nl\/en\/page\/coverage-ratio\/\"><span class=\"w-btn-label\">Coverage ratio<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_6a9c9444 us_animate_this\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><h2>June 24, 2026<\/h2>\n<p>NEXT PAYMENT DATE<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1 icon_atright\" title=\"Payment dates\" href=\"https:\/\/spin.nl\/en\/content\/pension-received\/\"><span class=\"w-btn-label\">Payment dates<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_3257a9f0 height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_3 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:calc(3rem + 1rem);\"><div class=\"wpb_column vc_column_container us_custom_68c6e958 us_animate_this\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><h2>2,45%<\/h2>\n<p>ADJUSTMENT 2026<br \/>\nRULING 1<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1 icon_atright\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/01\/Toeslagregeling-1-2026-DEF.pdf\"><span class=\"w-btn-label\">How is your supplement calculated?<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_a8636f01 us_animate_this\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><h2>3,16%<\/h2>\n<p>ADJUSTMENT 2026<br \/>\nRULING 2<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1 icon_atright\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/01\/Toeslagregeling-2-2026-DEF.pdf\"><span class=\"w-btn-label\">How is your supplement calculated?<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_6a9c9444 us_animate_this\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><h2>3,16%<\/h2>\n<p>ADJUSTMENT 2026<br \/>\nRULING 3<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1 icon_atright\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/wp-content\/uploads\/2026\/01\/Toeslagregeling-3-2026-DEF.pdf\"><span class=\"w-btn-label\">How is your supplement calculated?<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_small with_img parallax_ver parallaxdir_reversed\"><div class=\"l-section-img\" role=\"img\" aria-label=\"Image\" data-img-width=\"1248\" data-img-height=\"432\" style=\"background-image: url(https:\/\/spin.nl\/wp-content\/uploads\/2022\/12\/Background-swirl.png);background-repeat: no-repeat;\"><\/div><div class=\"l-section-overlay\" style=\"background:rgba(24,144,216,0.30)\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default reversed stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image us_custom_c0104c08 align_none\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"480\" height=\"480\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/07\/Carrousel-6-blauw.jpg\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/07\/Carrousel-6-blauw.jpg 480w, https:\/\/spin.nl\/wp-content\/uploads\/2025\/07\/Carrousel-6-blauw-300x300.jpg 300w, https:\/\/spin.nl\/wp-content\/uploads\/2025\/07\/Carrousel-6-blauw-150x150.jpg 150w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_30d07ddb has_text_color\"><div class=\"wpb_wrapper\"><h2>QUESTIONS ABOUT YOUR RETIREMENT?<\/h2>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>We&#8217;ve probably answered a few for you in our <a href=\"https:\/\/spin.nl\/en\/frequently-asked-questions\/\">frequently asked questions.<\/a> If your question is not among them, please visit<br \/>\nWe are ready to answer your questions about your retirement with SPIN. You can call or email us. <\/p>\n<p>Do you have a complaint? Then look <a href=\"https:\/\/spin.nl\/en\/content\/complaints\/\">here<\/a>.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_large\" id=\"Homepage wit\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-grid us_post_list type_grid layout_777 cols_1 preload_style_spinner with_css_animation\" id=\"us_post_list_t16c\" style=\"--columns:1;--gap:0px;\"><style>.layout_777 .w-grid-item-h{}@media(max-width:699px){.layout_777 .usg_post_image_1{display:none!important}}@media(min-width:701px){.layout_777 .usg_post_image_2{display:none!important}}.layout_777 .usg_post_image_1{border-radius:0 0.5rem 0 0!important;margin:0!important}.layout_777 .usg_post_title_1{color:var(--color-alt-content-secondary)!important;font-size:1.5rem!important;font-weight:600!important}.layout_777 .usg_vwrapper_1{padding-right:3rem!important}.layout_777 .usg_post_image_2{width:100%!important;border-radius:0 0.5rem 0 0!important;margin:0 0 2rem 0!important}@media (min-width:1025px) and (max-width:1280px){.layout_777 .usg_vwrapper_1{padding-right:3rem!important}}@media (min-width:769px) and (max-width:1024px){.layout_777 .usg_vwrapper_1{padding-right:3rem!important}}@media (max-width:768px){.layout_777 .usg_vwrapper_1{padding-right:0!important}}<\/style><div class=\"w-grid-list\">\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4502 post type-post status-publish format-standard has-post-thumbnail hentry category-colleagues-tell category-homepage-white\" data-id=\"4502\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-hwrapper usg_hwrapper_1 align_justify valign_middle\" style=\"--hwrapper-gap: 2rem;\"><div class=\"w-vwrapper usg_vwrapper_1 align_left valign_top\" style=\"--vwrapper-gap: 1.40rem;\"><div class=\"w-post-elm post_image usg_post_image_2 has_width has_ratio\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/en\/colleagues-tell\/tips-for-your-financial-planning\/\" aria-label=\"Tips for your financial planning\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"430\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/01\/JosenTheo-klein-1-e1740564524247-1024x430.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/a><div style=\"padding-bottom:66.6667%\"><\/div><\/div><h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\"><a href=\"https:\/\/spin.nl\/en\/colleagues-tell\/tips-for-your-financial-planning\/\">Tips for your financial planning<\/a><\/h2><div class=\"w-post-elm post_content usg_post_content_1\">Pension accrual with SPIN is more or less automatic, but that doesn&#8217;t mean you don&#8217;t have to do anything yourself. It is good to think about your pension from time to time. Will you have enough pension later on? Will&hellip;<\/div><a class=\"w-btn us-btn-style_3 usg_btn_1 icon_atleft\" href=\"https:\/\/spin.nl\/en\/colleagues-tell\/tips-for-your-financial-planning\/\"><i class=\"fal fa-book-open\"><\/i><span class=\"w-btn-label\">Lees verder<\/span><\/a><\/div><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/en\/colleagues-tell\/tips-for-your-financial-planning\/\" aria-label=\"Tips for your financial planning\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"430\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2025\/01\/JosenTheo-klein-1-e1740564524247-1024x430.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/a><div style=\"padding-bottom:75%\"><\/div><\/div><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"g-preloader type_1\"><div><\/div><\/div><div class=\"w-grid-list-json hidden\" onclick='return {&quot;max_num_pages&quot;:0,&quot;paginationBase&quot;:&quot;page&quot;,&quot;pagination&quot;:&quot;none&quot;,&quot;paged&quot;:1,&quot;ajaxData&quot;:{&quot;action&quot;:&quot;us_ajax_post_list&quot;,&quot;meta_type&quot;:&quot;post&quot;,&quot;object_id&quot;:0,&quot;template_vars&quot;:{&quot;shortcode_base&quot;:&quot;us_post_list&quot;,&quot;paged&quot;:1,&quot;max_num_pages&quot;:0,&quot;no_results&quot;:false,&quot;us_post_content_design_css&quot;:[],&quot;found_posts&quot;:0,&quot;per_page&quot;:1,&quot;items_count&quot;:1,&quot;orderby_random_seed&quot;:null,&quot;source&quot;:&quot;all&quot;,&quot;custom_field_name&quot;:&quot;&quot;,&quot;ids&quot;:&quot;&quot;,&quot;post_type&quot;:&quot;post&quot;,&quot;attachment_ids&quot;:null,&quot;include_post_thumbnail&quot;:0,&quot;post_author&quot;:&quot;any&quot;,&quot;post_author_ids&quot;:&quot;&quot;,&quot;apply_url_params&quot;:&quot;0&quot;,&quot;ignore_sticky_posts&quot;:&quot;0&quot;,&quot;exclude_children&quot;:0,&quot;exclude_current_post&quot;:1,&quot;exclude_prev_posts&quot;:0,&quot;exclude_past_events&quot;:&quot;1&quot;,&quot;enable_items_offset&quot;:0,&quot;items_offset&quot;:&quot;1&quot;,&quot;tax_query_relation&quot;:&quot;AND&quot;,&quot;tax_query&quot;:&quot;%5B%7B%22operator%22%3A%22IN%22%2C%22taxonomy%22%3A%22category%22%2C%22terms%22%3A%2211%22%2C%22include_children%22%3A0%7D%5D&quot;,&quot;meta_query_relation&quot;:&quot;none&quot;,&quot;meta_query&quot;:[{&quot;key&quot;:&quot;custom_field_name&quot;,&quot;compare&quot;:&quot;=&quot;,&quot;value&quot;:&quot;&quot;}],&quot;orderby&quot;:&quot;date&quot;,&quot;orderby_custom_field&quot;:&quot;&quot;,&quot;orderby_custom_type&quot;:0,&quot;order_invert&quot;:&quot;1&quot;,&quot;show_all&quot;:0,&quot;quantity&quot;:&quot;1&quot;,&quot;posts_per_archive_page&quot;:0,&quot;no_items_action&quot;:&quot;hide_grid&quot;,&quot;no_items_message&quot;:&quot;No results found.&quot;,&quot;no_items_page_block&quot;:&quot;&quot;,&quot;pagination&quot;:&quot;none&quot;,&quot;pagination_style&quot;:&quot;&quot;,&quot;pagination_btn_text&quot;:&quot;Load More&quot;,&quot;pagination_btn_size&quot;:&quot;&quot;,&quot;pagination_btn_style&quot;:&quot;1&quot;,&quot;pagination_btn_fullwidth&quot;:0,&quot;items_layout&quot;:&quot;777&quot;,&quot;type&quot;:&quot;grid&quot;,&quot;items_valign&quot;:0,&quot;ignore_items_size&quot;:0,&quot;columns&quot;:&quot;1&quot;,&quot;items_gap&quot;:&quot;0px&quot;,&quot;load_animation&quot;:&quot;afb&quot;,&quot;items_preload_style&quot;:&quot;spinner&quot;,&quot;img_size&quot;:&quot;default&quot;,&quot;img_aspect_ratio&quot;:&quot;&quot;,&quot;title_size&quot;:&quot;&quot;,&quot;items_ratio&quot;:&quot;default&quot;,&quot;items_ratio_width&quot;:&quot;21&quot;,&quot;items_ratio_height&quot;:&quot;9&quot;,&quot;overriding_link&quot;:&quot;%7B%22url%22%3A%22%22%7D&quot;,&quot;popup_page_template&quot;:&quot;0&quot;,&quot;popup_width&quot;:&quot;&quot;,&quot;popup_arrows&quot;:1,&quot;breakpoint_1_width&quot;:&quot;1281px&quot;,&quot;breakpoint_1_cols&quot;:&quot;1&quot;,&quot;breakpoint_1_quantity&quot;:&quot;&quot;,&quot;breakpoint_1_gap&quot;:&quot;&quot;,&quot;breakpoint_2_width&quot;:&quot;1025px&quot;,&quot;breakpoint_2_cols&quot;:&quot;1&quot;,&quot;breakpoint_2_quantity&quot;:&quot;&quot;,&quot;breakpoint_2_gap&quot;:&quot;&quot;,&quot;breakpoint_3_width&quot;:&quot;769px&quot;,&quot;breakpoint_3_cols&quot;:&quot;1&quot;,&quot;breakpoint_3_quantity&quot;:&quot;&quot;,&quot;breakpoint_3_gap&quot;:&quot;&quot;,&quot;conditions_operator&quot;:&quot;always&quot;,&quot;conditions&quot;:[],&quot;css&quot;:null,&quot;el_class&quot;:&quot;&quot;,&quot;el_id&quot;:&quot;&quot;,&quot;enable_custom_html_atts&quot;:0,&quot;custom_html_atts&quot;:null,&quot;hide_on_states&quot;:&quot;&quot;,&quot;hide_for_sticky&quot;:0,&quot;hide_for_not_sticky&quot;:0,&quot;hide_below&quot;:&quot;0px&quot;,&quot;hide_above&quot;:&quot;0px&quot;,&quot;classes&quot;:&quot;&quot;},&quot;found_posts&quot;:0,&quot;per_page&quot;:1},&quot;facetedFilter&quot;:[]}'><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_large with_img parallax_ver parallaxdir_reversed\" id=\"Homepage blauw\"><div class=\"l-section-img\" role=\"img\" aria-label=\"Image\" data-img-width=\"1248\" data-img-height=\"432\" style=\"background-image: url(https:\/\/spin.nl\/wp-content\/uploads\/2022\/12\/Background-swirl.png);background-repeat: no-repeat;\"><\/div><div class=\"l-section-overlay\" style=\"background:rgba(24,144,216,0.30)\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default reversed stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-grid us_post_list type_grid layout_779 cols_1 preload_style_spinner with_css_animation\" id=\"us_post_list_ucfa\" style=\"--columns:1;--gap:0px;\"><style>.layout_779 .w-grid-item-h{}@media(max-width:699px){.layout_779 .usg_post_image_1{display:none!important}}@media(min-width:701px){.layout_779 .usg_post_image_2{display:none!important}}.layout_779 .usg_post_image_1{border-radius:0 0.5rem 0 0!important;margin:0!important}.layout_779 .usg_post_title_1{color:var(--color-alt-content-secondary)!important;font-size:1.5rem!important;font-weight:600!important}.layout_779 .usg_vwrapper_1{padding-left:3rem!important}.layout_779 .usg_post_image_2{width:100%!important;border-radius:0 0.5rem 0 0!important;margin:0 0 2rem 0!important}@media (min-width:1025px) and (max-width:1280px){.layout_779 .usg_vwrapper_1{padding-right:3rem!important}}@media (min-width:769px) and (max-width:1024px){.layout_779 .usg_vwrapper_1{padding-right:3rem!important}}@media (max-width:768px){.layout_779 .usg_vwrapper_1{padding-right:0!important}}<\/style><div class=\"w-grid-list\">\t<article class=\"w-grid-item us_animate_afb size_1x1 post-4579 post type-post status-publish format-standard has-post-thumbnail hentry category-homepage-blue category-what-happens-at\" data-id=\"4579\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t<div class=\"w-hwrapper usg_hwrapper_1 align_justify valign_middle\" style=\"--hwrapper-gap: 2rem;\"><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/en\/what-happens-at\/disability\/\" aria-label=\"Disability\"><img loading=\"lazy\" decoding=\"async\" width=\"980\" height=\"651\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2022\/12\/60d9f7a5eb6aed33afe2519a_HH_op-krukken.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/a><div style=\"padding-bottom:75%\"><\/div><\/div><div class=\"w-vwrapper usg_vwrapper_1 align_left valign_top\" style=\"--vwrapper-gap: 1.40rem;\"><div class=\"w-post-elm post_image usg_post_image_2 has_width has_ratio\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/spin.nl\/en\/what-happens-at\/disability\/\" aria-label=\"Disability\"><img loading=\"lazy\" decoding=\"async\" width=\"980\" height=\"651\" src=\"https:\/\/spin.nl\/wp-content\/uploads\/2022\/12\/60d9f7a5eb6aed33afe2519a_HH_op-krukken.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/a><div style=\"padding-bottom:66.6667%\"><\/div><\/div><h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color color_link_inherit\"><a href=\"https:\/\/spin.nl\/en\/what-happens-at\/disability\/\">Disability<\/a><\/h2><div class=\"w-post-elm post_content usg_post_content_1\">At SPIN, a number of pension matters are arranged for when you become disabled. These are described in the disability pension regulations. Different arrangements or agreements may apply to individual cases. If you have a question about your disability pension,&hellip;<\/div><a class=\"w-btn us-btn-style_3 usg_btn_1 icon_atleft\" href=\"https:\/\/spin.nl\/en\/what-happens-at\/disability\/\"><i class=\"fal fa-book-open\"><\/i><span class=\"w-btn-label\">Lees verder<\/span><\/a><\/div><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"g-preloader type_1\"><div><\/div><\/div><div class=\"w-grid-list-json hidden\" onclick='return {&quot;max_num_pages&quot;:0,&quot;paginationBase&quot;:&quot;page&quot;,&quot;pagination&quot;:&quot;none&quot;,&quot;paged&quot;:1,&quot;ajaxData&quot;:{&quot;action&quot;:&quot;us_ajax_post_list&quot;,&quot;meta_type&quot;:&quot;post&quot;,&quot;object_id&quot;:0,&quot;template_vars&quot;:{&quot;shortcode_base&quot;:&quot;us_post_list&quot;,&quot;paged&quot;:1,&quot;max_num_pages&quot;:0,&quot;no_results&quot;:false,&quot;us_post_content_design_css&quot;:[],&quot;found_posts&quot;:0,&quot;per_page&quot;:1,&quot;items_count&quot;:1,&quot;orderby_random_seed&quot;:null,&quot;source&quot;:&quot;all&quot;,&quot;custom_field_name&quot;:&quot;&quot;,&quot;ids&quot;:&quot;&quot;,&quot;post_type&quot;:&quot;post&quot;,&quot;attachment_ids&quot;:null,&quot;include_post_thumbnail&quot;:0,&quot;post_author&quot;:&quot;any&quot;,&quot;post_author_ids&quot;:&quot;&quot;,&quot;apply_url_params&quot;:&quot;0&quot;,&quot;ignore_sticky_posts&quot;:&quot;0&quot;,&quot;exclude_children&quot;:0,&quot;exclude_current_post&quot;:1,&quot;exclude_prev_posts&quot;:0,&quot;exclude_past_events&quot;:&quot;1&quot;,&quot;enable_items_offset&quot;:0,&quot;items_offset&quot;:&quot;1&quot;,&quot;tax_query_relation&quot;:&quot;AND&quot;,&quot;tax_query&quot;:&quot;%5B%7B%22operator%22%3A%22IN%22%2C%22taxonomy%22%3A%22category%22%2C%22terms%22%3A%2212%22%2C%22include_children%22%3A0%7D%5D&quot;,&quot;meta_query_relation&quot;:&quot;none&quot;,&quot;meta_query&quot;:[{&quot;key&quot;:&quot;custom_field_name&quot;,&quot;compare&quot;:&quot;=&quot;,&quot;value&quot;:&quot;&quot;}],&quot;orderby&quot;:&quot;date&quot;,&quot;orderby_custom_field&quot;:&quot;&quot;,&quot;orderby_custom_type&quot;:0,&quot;order_invert&quot;:&quot;1&quot;,&quot;show_all&quot;:0,&quot;quantity&quot;:&quot;1&quot;,&quot;posts_per_archive_page&quot;:0,&quot;no_items_action&quot;:&quot;hide_grid&quot;,&quot;no_items_message&quot;:&quot;No results found.&quot;,&quot;no_items_page_block&quot;:&quot;&quot;,&quot;pagination&quot;:&quot;none&quot;,&quot;pagination_style&quot;:&quot;&quot;,&quot;pagination_btn_text&quot;:&quot;Load 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class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_5312504b has_text_color\"><div class=\"wpb_wrapper\"><h2>About us<\/h2>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>We administer pension plans for some 13,000 people who work or have worked at IBM and\/or Kyndryl. To do so, we manage assets of over 4.5 billion euros. This makes us one of the medium-sized pension funds in the Netherlands.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_left\"><a class=\"w-btn us-btn-style_1 icon_atright\" title=\"DC Returns\" href=\"https:\/\/spin.nl\/en\/about-us\/\"><span class=\"w-btn-label\">Learn more about us<\/span><i class=\"far fa-arrow-right\"><\/i><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_60e9caca us_animate_this height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container us_custom_a455b796 has_bg_color\"><div class=\"vc_column-inner\"><div class=\"g-cols wpb_row via_grid cols_2-1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>We manage, administer and invest the following types of pensions for our participants:<\/h3>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><ul>\n<li>Defined Benefit Pension (DB): in this, (former) employees build up pension rights in a career average earnings scheme. We try to allow this pension to partially increase with inflation each year. <\/li>\n<li>Defined Contribution (DC) pension: in this, (former) employees build up an individual pension capital with which they purchase their own pension from an insurer upon retirement.<\/li>\n<li>Survivor&#8217;s pension: we make sure that if an IBM employee dies during employment, there is a pension for his or her family.<\/li>\n<li>Disability: we regulate the accrual and payment of supplementary pensions of the disabled.<\/li>\n<\/ul>\n<p>We pursue a solid, well-considered investment policy. We are mindful of the environment, people and social issues. We work in a careful manner; risk management is our priority.  <\/p>\n<p>In addition to management and execution, we stay well abreast of new developments, conduct research, attend professional education and training, and make use of our extensive network in the pension industry. This keeps our knowledge and expertise up to date and enables us to respond to the many challenges we face.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_59f6b8f0 hide_on_mobiles has_bg_color\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"At SPIN, a number of pension matters are arranged for when you become disabled. These are described in the disability pension regulations. Different arrangements or agreements may apply to individual cases. If you have a question about your disability pension, please contact us. \u200dKyndryl has chosen to transfer the new pension accrual into a new...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-5188","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home - Stichting Pensioenfonds IBM Nederland%<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/spin.nl\/en\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home - Stichting Pensioenfonds IBM Nederland%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/spin.nl\/en\/\" \/>\n<meta property=\"og:site_name\" content=\"Stichting Pensioenfonds IBM Nederland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-26T09:08:25+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/spin.nl\\\/en\\\/\",\"url\":\"https:\\\/\\\/spin.nl\\\/en\\\/\",\"name\":\"Home - 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