Question and Answer

On 1 January 2027, Forward will have a new pension scheme. One of the questions we received about this:

My pension will soon switch to a new scheme. What does that mean for the amount I have already accrued?

Answer:

We aim for your expected pension after the transition to be at least equal to your projected pension before the transition. Your pension may even be higher, depending on Forward’s financial situation (coverage ratio). Based on the current situation, all members would benefit from the transition.

If Forward’s financial situation were to deteriorate significantly before the transition, we will inform you. Over the coming months, you can follow developments in the coverage ratio here.

Overview of amounts
In November 2026 you will receive a first overview from us with a forecast of your pension in the new scheme. In the second quarter of 2027 you’ll receive a second overview from us, showing the pension capital with which you started the new scheme on 1 January that year.

Also have a Progress pension?
That portion of your Unilever pension will not change. Your Progress pension will continue to be increased each year: while in employment based on salary increases under the Unilever CLA, and while out of employment, based on price inflation.

Your Progress pension cannot be reduced as Unilever will make up any shortfall. If there is a surplus, Progress will pay money back to Unilever.

March 2026