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Global Pension Risk Survey 2019 - Netherlands Findings (NL)

This report covers the full Netherlands findings from Aon's 2019 Global Pension Risk Survey, including:

  • What are the trends in Netherlands pensions?

  • How are scheme sponsors and trustees responding to change?


Welcome to the 2019 Global Pension Risk Survey, covering the responses from the Netherlands.

Aon carries out the Global Pension Risk Survey every two years, and looking back over the last decade, we can see how the pensions landscape has developed. Ten years ago, schemes were dealing with the fallout from the global financial crisis, and over the following years, increasing numbers of schemes restructured by, primarily, moving from a defined benefit plan design to a defined contribution plan design in response to increasing longevity and decreasing interest rates.

The outcome of this survey has to be seen in the context of the Dutch pension landscape, with its prevalence of industry-wide pension funds and its defined benefit promises, which are proving impossible to keep.

The current pension landscape is not sustainable, due to the increasing age of the population and current low interest rates. All pension funds are suffering from extreme low coverage ratios and, as a result are having to waive indexation and even cut the pension benefits they offer.

In the free market, the most prevalent pension plans are insured plans with a defined contribution plan design.

A Pension Agreement between the government, labour unions and employers' organisations was reached in June 2019. 

Background to the new Pension Agreement

  • Agreement between social parties in industry
  • Increasing retirement age has been approved by the government
  • Trend: voluntary pension contributions
  • Insured solutions increase
  • Rise of providers: 
    • Premium Pension Institute (PPI) for DC
    • General Pension Fund (APF) for DB

Download the full report above to learn more. 

About Aon

Aon plc (NYSE:AON) is a leading global professional services firm providing a broad range of risk, retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients by using proprietary data and analytics to deliver insights that reduce volatility and improve performance.

© Aon plc 2019. All rights reserved.
This report provides general information for reference purposes only. Readers should not use this report as replacement for legal, tax, accounting, or consulting advice that is specific to the facts and circumstances of their business. We encourage readers to consult with appropriate advisors before acting on any of the information contained in this report. The contents of this report may not be reused, reprinted, or redistributed without the expressed written consent of Aon plc.

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Global Pension Risk Survey 2019 (Ireland Findings)
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