ING CDC Pensioenfonds

What ING CDC Pensioenfonds does

ING CDC Pensioenfonds (legal name: Stichting ING CDC Pensioenfonds) is a Dutch pension foundation established on 1 January 2014 under the regulatory supervision of De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM). It administers a Collective Defined Contribution (CDC) pension plan exclusively for ING employees in the Netherlands, covering current staff, former employees with accrued rights, and retired beneficiaries. The fund succeeded the legacy Pensioenfonds ING, with new accrual under the prior scheme discontinued at the end of 2013.

The fund's core product is a CDC pension arrangement with a fixed total contribution of 30.5% of pensionable salary (23% employer, 7.5% employee), under which ultimate pension benefits are variable and participants bear the investment risk. Benefit offerings include old-age pension (standard retirement age 67, with early retirement possible from 60), partner pension, temporary partner pension, orphans pension, and continued accrual during occupational disability. The investment strategy is split approximately evenly between a matching portfolio (highly rated European sovereign bonds with interest rate hedging) and a return portfolio (equities, property, small caps, non-listed real estate, high yield bonds, investment grade corporate bonds, with currency hedging). The policy funding ratio is the governing indexation benchmark, with 110% required for indexation to be considered; the fund reached 151% current and 150% policy funding ratio as of June 2026, and granted 3.01% indexation for 2025 tracking the Dutch CPI.

Operationally, the fund distributes exclusively through ING as the employer channel, with AZL N.V. (Heerlen) as the outsourced pension administrator. Participants engage via a digital ecosystem including the fund's bilingual website, Pensioenplanner, Keuzetool, Mijn Pensioen portal (integrated with DigiD authentication and the government mijnpensioenoverzicht.nl), Pensioen 1-2-3 educational resources, webinars, newsletters, and a pension desk. Governance is provided by an 8-member board representing ING (employer), employees, and trade unions (FNV, De Unie), alongside a supervisory committee and accountability body. The fund operates in a single country (Netherlands) and has no subsidiaries, external funding, or M&A activity.

Name

ING CDC Pensioenfonds

Legal name

Stichting ING CDC Pensioenfonds

Website

https://ing.cdcpensioen.nl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

ING CDC Pensioenfonds is a Dutch pension foundation that administers a Collective Defined Contribution pension plan exclusively for ING employees in the Netherlands, covering current staff, former employees with accrued rights, and pensioners, with AZL N.V. as administrator.

Ownership category

akta.pro rank

Product category

Pension Fund Administration

NAICS

Pension Funds (525110)

SIC

Finance Services (6199)

akta.pro primary industry

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

Keywords

• Pension fund administration
• Defined contribution pensions
• Collective pension schemes
• Employee retirement benefits
• Pension asset management

Headquarters

HQ city

Heerlen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Pension Contributions: ING CDC Pensioenfonds receives fixed annual contributions from ING (employer) and employees. The total contribution is 30.5% of pensionable salary, split between employer (23%) and employee (7.5%). The contribution is fixed at the collective level, while ultimate pension benefits are not guaranteed.
2. Investment Returns: A significant portion of pension benefits are funded from return on the pension fund's investments. The fund invests in matching portfolios (European sovereign bonds) and return portfolios (equities, property, high yield bonds) to generate returns that enable pension indexation.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels10 records

Core offering

ING CDC Pensioenfonds (Stichting ING CDC Pensioenfonds) is a Dutch pension foundation that administers a Collective Defined Contribution (CDC) pension plan for ING employees, former employees, and pensioners. The fund collects fixed annual contributions of 30.5% of pensionable salary (23% from ING as employer, 7.5% from employees) and invests them across matching portfolios of European sovereign bonds and return portfolios of equity, property, and corporate bonds to fund old age, partner, orphans, and occupational disability pension benefits, with potential annual indexation tied to Dutch CPI.

Product overview

ING CDC Pensioenfonds offers a comprehensive CDC (Collective Defined Contribution) pension scheme as its core product, where the annual contribution is fixed but the ultimate pension benefit varies based on investment returns. The fund provides a platform of interconnected digital tools and services including the Pensioenplanner for retirement planning and scenario modeling, the Mijn Pensioen participant portal for document access, UPO annual statements, a Keuzetool for retirement decision support, and Pensioen 1-2-3 educational resources. All services are administered in partnership with AZL N.V. and participants access them through DigiD authentication.

Differentiator

Problem solved

Functional benefit

Products and services

• ING CDC Pensioenregeling (CDC Pension Plan) Collective Defined Contribution pension scheme for ING employees with fixed annual contributions (23% employer, 7.5% employee, totaling 30.5% of pensionable salary) and variable pension outcomes; provides old age pension from age 67 (with options from age 60), partner pension, orphans pension, and continued accrual during occupational disability, with potential annual indexation based on CPI subject to funding ratio thresholds.

Quantifiable outcome

• Funding ratio of 151% as of June 2026, policy funding ratio of 150%
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

One partnership is on record.

• AZL N.V.coreImplementation/ SI/ Consulting Partner · 1 January 2014AZL N.V. serves as the administrative service provider for ING CDC Pensioenfonds. The company handles day-to-day pension administration including pension accrual calculations, pension overviews (UPO), and pension benefit payments. Located in Heerlen, Netherlands.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Others

• PGGM: Cooperative pension administrator and asset manager serving PFZW and other Dutch pension funds, providing pension administration, asset management, and policy advice. Adjacent ecosystem participant rather than a competing pension fund.
• APG Group: Largest pension asset manager in the Netherlands, providing investment management, administration, and communications services to Dutch pension funds including ABP. Not a competing pension fund, but a key service provider and ecosystem participant to the same Dutch pension market.

Direct peers

• bpfBOUW (Stichting Bedrijfstakpensioenfonds voor de Bouwnijverheid): Dutch sector pension fund for the construction industry, administering a collective defined contribution arrangement under mandatory participation rules similar to ING CDC Pensioenfonds, with comparable indexation policy, funding ratio disclosures, and AZL-style outsourced administration models.
• Stichting Philips Pensioenfonds: Single-employer corporate pension fund for Philips employees in the Netherlands, administering retirement benefits for a large corporate workforce with comparable governance, funding ratio disclosures, and indexation mechanics.
• Stichting Shell Pensioenfonds: Single-employer Dutch corporate pension fund for Shell employees, operating a comparable defined benefit/CDC-style arrangement with similar governance and DNB/AFM oversight. Most structurally comparable single-sponsor corporate pension fund in the Netherlands.
• Stichting Pensioenfonds KLM: Single-employer corporate pension fund for KLM personnel, operating under the same Dutch Pensioenwet framework with DNB/AFM supervision and serving a defined workforce with mandatory contributions tied to employment at the parent company.
• PME (Stichting Pensioenfonds Metaal en Techniek): Sector pension fund for the metalworking and technical industries in the Netherlands. Operates a comparable collective, multi-employer pension arrangement under the same DNB/AFM framework and faces the same Wet toekomst pensioenen transition dynamics as ING CDC Pensioenfonds.
• Stichting Rabobank Pensioenfonds: Dutch corporate pension fund for Rabobank employees, structurally analogous to ING CDC Pensioenfonds in serving the workforce of a major Dutch bank with mandatory participation under collective labor agreements and similar CDC/DB hybrid arrangements.

Broad incumbents

• ABP (Stichting Pensioenfonds ABP): The largest pension fund in the Netherlands, serving government and education employees. Operates under the same regulatory framework with collective risk pooling and similar asset-liability matching strategy, but at vastly greater scale and as a multi-employer sector fund rather than a single-corporate sponsor fund.
• Stichting Pensioenfonds PFZW: Dutch sector pension fund for the healthcare and welfare sector, also administered by AZL N.V. Operates a similar collective, multi-employer structure under the same regulatory regime, providing a comparable service profile at larger scale across a different industry vertical.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ing-cdc-pensioenfonds

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ING CDC Pensioenfonds