Most asked questions

Pensions are quite complex and we can imagine that you have questions. We have listed the most frequently asked questions for you.


The expected pension amount depends on your pension capital. That can change every day due to fluctuations in the stock market. That’s why we adjust your expected pension amount every day. Every quarter, we refresh the data from De Nederlandsche Bank.

Your personal pension page will always show the current situation for your pension.

To estimate what your pension capital can yield in terms of expected pension, De Nederlandsche Bank (DNB) calculates how the economy will develop over time. DNB uses 2,000 scenarios for this purpose. We call this the Uniform Calculation Methodology (UCM). All pension administrators in the Netherlands have been working with this since 1 October 2019. And it has been mandatory for the expected pension amount on and the Uniform Pension Overview (UPO) since 2019. We want the amounts you see to match. We also use this calculation method on your personal pension page.

Your expected pension benefits are an estimate; your accrued pension capital will not change as a result.

We use data from De Nederlandsche Bank (DNB) to calculate your expected pension. That data consists of 2,000 scenarios that take into account the development of equity returns, interest rate trends and price increases. DNB publishes every quarter new data, which we use to recalculate your expected pension.

Your pension money at BeFrank is and remains yours. That is regulated by law. Creditors cannot access your pension money.

It will only take you a few minutes. Afterwards, you can continue with what you were doing and you’ll have arranged your pension properly. Wonderful!

If you do nothing, we will continue to invest based on the standard choices made by your employer. There is nothing wrong with that. It’s the standard for a reason. However, you may want to take a chance on more returns or take less risk. That’s why you should take the quick and easy test and check which investment risk suits you best.

We invest for you anyway, but on the basis of the investment risk determined by your employer. And since we’re talking about your pension capital, you may prefer to choose how we invest it. So take the test and check which investment risk suits you.

Once you have enrolled an employee on the pension scheme, we will send the employee an introductory e-mail. The employee then needs to activate their personal pension page by logging in with DigiD. On their personal pension page, the employee can find the pension regulations, the administration agreement and more information about the pension scheme. The portal also contains the Pension 1-2-3, which explains in simple language what the pension scheme entails.