Pension reform AND a new impact investment strategy. How SimCorp helped PGGM deliver both simultaneously.

PGGM Investments manages EUR 255 billion AUM across public and private markets on behalf of Dutch healthcare pension participants. In late 2025, they were running two major strategic initiatives: compliance with the Netherlands' Future Pensions Act (Wet toekomst pensioenen), which requires all Dutch pension funds to convert from defined benefit to defined contribution by January 2028, and a major shift to balance risk, financial returns and sustainability in investing across their entire portfolio. As a long-term SimCorp client, PGGM used the platform's agility to pursue both and completed their pension reform transition on January 1, 2026, ahead of the industry deadline.

The solution

After almost 20 years as a SimCorp client, PGGM's decision to move from on-premise to SimCorp's SaaS proved to be the right foundation for the future. Taking infrastructure management off their own plate meant PGGM could focus on value-added requirements.  

Alongside the SaaS move, PGGM migrated its data warehouse to the SimCorp’s cloud data warehouse, consolidating data from all systems into a single, consistent layer, the prerequisite for meeting the Future Pensions Act's individual-level reporting requirements. 

The business benefits

Pension reform delivered ahead of schedule
PGGM went live on the new Future Pensions Act on January 1, 2026, two years ahead of the industry deadline. The groundwork laid through the SaaS migration and unified data foundation meant the transition required less remedial work than anticipated.  

Front office performance, up to 10x
Moving to SimCorp's SaaS delivered a tenfold performance improvement, giving investment teams significantly faster access to portfolio data. Improvement in speed and responsiveness directly supported the volume of portfolio transitions the pension reform required. 

Built for the future
While navigating the pension reform, PGGM was simultaneously advancing its sustainable investing strategy. SimCorp’s scalability meant both strategic initiatives could run together, with each portfolio transition meeting the requirements of both at once.  

One of the requirements of the new pension system is also being more transparent. We have to explain how we are invested and what we are invested in. There's a lot of data needed to answer that question. All the data from all the systems will come together in one place.

Sander Tegelaar, Director IT, PGGM Investments