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It may be a coincidence, but exactly one hundred years after ABP, the largest pension fund in the Netherlands, was set up — and from which APG emerged — the Netherlands is embarking on unprecedented and rigorous pension reform.



Annual Report

Who we are and what we do

As the country's largest pension administrator – we serve 8 pension funds and some 4.8 million participants – we make use of our combined strength and knowledge to build a transparent and future-proof new pension system. We are becoming an increasingly modern communications and IT company, and we strive to provide high-quality services along the way.

About APG

The best possible pension - in a livable world

On the road toward the ‘Pension of the Future’, we’ll do everything we can to achieve maximum pension value and a healthy return. Sustainability plays a central role in all our investment choices.

Our 2021 results

The importance of our culture

Our internal culture is a microcosm of the influence we have within society. To this extent, our employees’ knowledge, skills, and ways of working are critical to our success. The transition to the ‘Pension of the Future’ also requires new expertise and skills – which we are working hard to develop.

How we work together


The original 2021 APG Groep N.V. annual report and the financial statements were drafted in Dutch. This document is an English translation of the original Dutch document. In case of any discrepancies between the English and the Dutch text, the latter will prevail.