Total
202426,646 persons
202526,345 persons
-1.1% decline
2025 in key figures: an overview of participants, assets, contributions, returns, funding ratios and indexation.
Participants
Active
20245,629 persons
20255,563 persons
-1.2% decline
Deferred participants
20248,382 persons
20258,147 persons
-2.8% decline
Pensioners
202412,635 persons
202512,635 persons
+0% growth
Financial key figures
Pension liabilities
20246.38 million euro
20255.7 million euro
-10.7% decline
Pension liabilities are the pensions that Pensioenfonds PDN must pay out now and in the future.
Pension assets
20247.81 million euro
20257.75 million euro
-0.8% decline
Pension assets are the assets of Pensioenfonds PDN: Investments + other receivables - other liabilities
Contributions received
2024111 million euro
2025115 million euro
+3.6% growth
Contributions received are the contributions that employer and employee pay for pension accrual.
Pension payments
2024273 million euro
2025279 million euro
+2.2% growth
Pension benefit payments are the payments for pensions already in payment.
Total invested assets
20247.8 million euro
20257.74 million euro
-0.8% decline
Total invested assets is the total value of the investment portfolios.
Investment return
Investment return
2025+1.6%
Investment return consists of direct and indirect investment proceeds. This can be interest (on bonds), dividends (on equities), or the increase or decrease in the market value of a pension fund's assets.
Funding ratios
Funding ratio
Start 2025122.3%
Eind 2025135.9%
+13.6% growth
The funding ratio is a measure of the financial position of Pensioenfonds PDN, expressed as a percentage. This percentage represents the ratio between the fund's assets and all financial obligations, now and in the future. The higher the funding ratio, the more certain it is that Pensioenfonds PDN will be able to pay out the promised pensions.
Policy funding ratio
Start 2025124.9%
Eind 2025130.3%
+5.4% growth
The policy funding ratio is the average funding ratio over the past 12 months.
Required funding ratio
Start 2025116.4%
Eind 2025116.8%
+0.4% growth
The required funding ratio indicates how high the fund's policy funding ratio legally must be. If the policy funding ratio falls below the required funding ratio, Pensioenfonds PDN must submit a recovery plan.
Minimum required funding ratio
Start 2025104.2%
Eind 2025104.2%
+0% growth
The minimum required funding ratio indicates the absolute lower limit. If the fund's policy funding ratio falls below this, there is a funding deficit. Pensioenfonds PDN then has too little assets to be able to pay out pensions in the future. If the policy funding ratio remains below the minimum required funding ratio for 5 years, the fund must reduce (cut) the (accrued) pensions.
Indexation
Indexation for pensioners and deferred participants
20241.78%
20253.01%
Pension Fund PDN aims to increase pensions every year and to let them grow in line with price increases. This is called indexation or granting of supplements.
Indexation for active participants
20241.78%
20253.01%
Pension Fund PDN aims to increase pensions every year and to let them grow in line with price increases. This is called indexation or granting of supplements.