{"id":4790,"date":"2022-12-02T15:17:46","date_gmt":"2022-12-02T14:17:46","guid":{"rendered":"https:\/\/spin.nl\/ongecategoriseerd\/retiring\/"},"modified":"2026-01-21T15:26:57","modified_gmt":"2026-01-21T14:26:57","slug":"retiring","status":"publish","type":"post","link":"https:\/\/spin.nl\/en\/what-happens-at\/retiring\/","title":{"rendered":"Retiring"},"content":{"rendered":"<section class=\"l-section wpb_row 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\"><div class=\"wpb_wrapper\"><p>\u200dFor one person it is something that has been looked forward to for a long time and for another it comes much too soon. Your situation is unique, which is why we are happy to help you. Before you can enjoy your retirement, you have a few things to take care of. This does not happen automatically. You can make various choices to ensure that your pension fits your personal situation as well as possible.    <\/p>\n<p>Fortunately, we already have information and helpful tools online to help you make your choices.<\/p>\n<p><strong>What choices do I have?<\/strong><\/p>\n<p>The Choice Tool on MySPIN gives you insight into the choices you have, and with a few questions you can discover which choices suit you best. There are three variants, depending on the type of pension you accrue or have accrued. <\/p>\n<p>Do you only have a DC capital with SPIN? =&gt; <a href=\"https:\/\/pensioenkeuzehulpspin.nl\/keuzehulp-voor-DC\">Choice Guide for DC<\/a><br \/>\nDo you only have a DB pension with SPIN? =&gt; <a href=\"https:\/\/pensioenkeuzehulpspin.nl\/Keuzehulp-voor-DB\">Choice Guide for DB<\/a><br \/>\nDo you have both a DB pension and a DC capital with SPIN? =&gt; <a href=\"https:\/\/pensioenkeuzehulpspin.nl\/Keuzehulp-voor-DB-en-DC\">Choice Guide for DB and DC<\/a><\/p>\n<p>Are you age 55 or older? If so, you will find the Choices Guide that applies to you in the <em>Pension Planner<\/em> and at <em>Closer look <\/em>on<em> MySPIN<\/em>. <\/p>\n<p>Click on a link below to get more information about a particular choice in <em>MySPIN<\/em>.<\/p>\n<ul>\n<li><a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/earlyretirement\">Quitting work earlier<\/a><\/li>\n<li><a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/highlow\">First a higher and then a lower pension, or vice versa<\/a><\/li>\n<li><a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/exchange\">Swapping between retirement and partner&#8217;s pension<\/a><\/li>\n<li><a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/parttimepension\">Part-time pension<\/a><span> (only possible if you have a DB pension)<\/span><\/li>\n<\/ul>\n<p><strong>How much pension can I expect?<\/strong><\/p>\n<p>With the <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/planner2\/net\">Pension Planner<\/a> you can get an idea of how certain pension choices will affect the amount of your pension benefit. By default, the Planner shows the AOW and the pension from SPIN. It is also very easy to add your pension from other employers. To do so, click the &#8216;add pension from other employers&#8217; button in the Planner.   <\/p>\n<p>Good to know, the Planner works with certain assumptions. What assumptions these are is explained above the Planner. These assumptions mean that there may be discrepancies between the amounts in the Planner, in other places in MySPIN and with the (indicative) pension calculations you receive before you retire.  <\/p>\n<p>You can find further information in <em>MySPIN<\/em>. There you can also see which type(s) of pension you are accruing<em>(Details<\/em>). In the Pension Planner you can find out what the effects of these choices are, such as bringing your pension forward or first a higher and then a lower pension or vice versa. You can also ask your questions by calling 020 &#8211; 347 2722 or at <a href=\"mailto:info@spin.nl\">info@spin.nl.<\/a>   <\/p>\n<p><strong>How do I convert my DC capital into retirement benefits?<\/strong><\/p>\n<p>Do you have a DC capital? Then on your retirement date you convert your capital into a pension benefit with an insurer. You can read more about how to do this and what assistance you can receive <a href=\"https:\/\/mijn.spin.nl\/ui\/employee\/content\/dcschemebuypension\">here<\/a>.  <\/p>\n<p>If you want to get an immediate idea of approximately how much pension you can buy with your pension capital, look <a href=\"https:\/\/www.spin.metpensioen.nl\/\">here<\/a>.<\/p>\n<p><strong>Colleagues telling<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/spin.nl\/colleagues-tell\/self-responsible\/?lang=en\">Wilma Fokker believes you are responsible for your own retirement<\/a><\/li>\n<li><span> <\/span><a href=\"https:\/\/spin.nl\/colleagues-tell\/stopping-earlier\/?lang=en\">Joop Kaiser talks about retiring early<\/a><\/li>\n<li><a href=\"https:\/\/spin.nl\/colleagues-tell\/tips-for-your-financial-planning\/?lang=en\">Jos R\u00f6ling and Theo Hendriks give financial planning tips\u200d<\/a><\/li>\n<\/ul>\n<p><strong>Grey Blue Circle<\/strong><\/p>\n<p>IBM retirees have joined together to form the Grey Blue Circle. You can <a href=\"https:\/\/www.greybluecircle.nl\/\">join<\/a> after retirement and keep in touch with your former colleagues. <\/p>\n<p>\u200dJW<strong>Schotte Fund\u3011<\/strong>.<\/p>\n<p>Are you a member of the Schotte Fund? Then, even after you retire, you can apply for financial assistance from the fund&#8217;s coordinator. He can be reached at <a href=\"mailto:schottefonds@nl.ibm.com\">schottefonds@nl.ibm.com<\/a> or by phone at +31 (0)20 &#8211; 513 3990.  <\/p>\n<p id=\"\">\u200d<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>For one person it is something that has been long looked forward to and for another it comes much too soon. Your situation is unique, which is why we are happy to help you. <\/p>\n","protected":false},"author":1,"featured_media":4668,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-4790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-what-happens-at"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retiring - 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\/what-happens-at\/retiring\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retiring - Stichting Pensioenfonds IBM Nederland%\" \/>\n<meta property=\"og:description\" content=\"For one person it is something that has been long looked forward to and for another it comes much too soon. 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