How are your pension benefits adjusted and determined?

Here you can learn more about the factors that play a role in the adjustment and determination of your pension during payment.

Pension schemes in payment are generally adjusted on annually on 1 January. 

The pension is adjusted and determined differently depending on your pension agreement.

However, there are generally 4 factors that affect how your pension will develop during payment:

  1. Costs
  2. Savings
  3. Life expectancy
  4. Deposit interest rate or investment return on investments

The most significant factors for the adjustment of the pensions are changes in life expectancy and the development of investments returns or the deposit interest rate.

If you have a pension scheme with an average interest rate, your savings are credited with a deposit interest rate. Please note that the deposit interest rate only affects your payments with 1 year delay. This is because the deposit interest rate must be realised before it can be included in the payments. In 2026, it is therefore the deposit interest rate from 2025 that determines your pension payments. 

See your pension scheme in Min pension 
On the pension statement in Min pension you can see your current deposit interest rate and your pension payments as well as the forecast for future payments.