Financial Independence & Retiring Early
BUIDL with APG, the largest pension service provider in Europe, to find solutions that will enable us to explore completely new career paths. Could #Tokenization support financial independence and security? Could we retire at 40 to pursue non-profitable ambitions and live comfortably? How will you manage your own retirement plan? As a team, you can leverage the extensive knowledge of APG as well as their state-of-the-art infrastructure.


Financial Independence & Retiring Early. FIRE Financial Independence & Retiring Early. FIRE is a movement by individuals who live frugally and save intensively to achieve early retirement in the not-so-long-term. While this seems radical in our consumerist culture, many young people are retiring in their forties to live comfortably and pursue non-profitable ambitions.

How can APG, the largest pension service provider in the Netherlands and one of the largest worldwide, help participants create and manage their personal financial roadmap to achieve this goal? Can we provide knowledge and tools to make becoming financially independent effortless and user-friendly?


Senior Actuary
Blockchain Lead
Experiment coach
Blockchain Developers
Data scientist
IT strategy
Startup Owner – NestEgg, Hackathon Winner 2017
Innovation Officer
Senior Metadata Specialist


APG Data model (CDM)
Sample data based on CDM
Challenge info on wiki
General pension information




We want to keep this open. We are primarily searching for good ideas!


We are open to any approach.

APG is the largest pension service provider in the Netherlands and one of the largest in the world.
APG manages the pension assets of around 4.5 million Dutch citizens for its clients. We perform a responsible task for one in every five families.
APG invests EUR 450 billion for pension funds with the greatest possible care.
3200 people working in offices in New York, Amsterdam, Heerlen, Brussels and Hongkong.
Founding father and key partner of Brightlands Smart Services Campus and Techruption Community.

APG wants to become faster, more personal, more digital, more transparent.

We face multiple challenges like:

  • New pension contracts
  • Much more flexible careers and increased personal agency
  • Life expectancy impacting our current pension system
  • Individuals vs communities
  • Legacy systems
  • Controlling Costs & Investments

Ambition and goals

2020: Maximizing Pension Value.

2025: To control your financial future, you naturally go to APG.

Track record in innovation and acceleration with teams/companies

To be included.


Current consortium: PGGM, Ortec Finance, IBM, Obvion, TNO, Rabobank, De Volksbank, Accenture, Eneco, KPN.


Welcoming: We are always looking for mutually beneficial relationships within our consortium.



What does the partner have to offer. Our GroeiFabriek innovation department features an incubator programme. Good ideas can become GroeiFabriek experiments. For instance, the winners of the 2017 Hackathon (NestEgg) received two years of incubator support, including funding, guidance, facilities and exposure.


What do consortium partners have to offer.Our consortium offers huge networking opportunities as we have similar goals!



Don’t forget to also check the following content to get a better insight into the topics of this challenge:
Watch the Track Deep Dive livestream: here
See the Track Deep Dive Presentation: here



Dominique Busch –  Group IT Officer – APG

Any questions? Please contact Dominique and the entire Track through the community Rethink Retirement group:

Interview with Hidde Terpoorten, APG

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