# SPT

SPT is a Pension Fund based in Heerlen, Netherlands.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Heerlen, Netherlands
- **Region:** Europe
- **Address:** Heerlen, Netherlands
- **Assets under management:** Undisclosed
- **Website:** www.spt.nl
- **LinkedIn:** https://www.linkedin.com/company/pensioenfonds-spt

## Regulatory record

- **Reports private funds:** No

## About

Stichting Pensioenfonds Tandartsen en Tandarts-Specialisten (SPT) was the mandatory sector-wide pension fund for self-employed dentists and dental specialists in the Netherlands. Governed by a board chaired by Gertjan Dicker and vice-chaired by Fokko Covers, SPT functioned under the legal framework of a Dutch industry-wide pension fund until its accrued pension rights were transferred on May 1, 2025, to a.s.r./Aegon Levensverzekering N.V. The professional association Beroepspensioenvereniging Tandartsen en Tandarts-specialisten (BPVT) represented the interests of the plan participants throughout the fund's operating life and into its liquidation. Prior to the transfer, SPT managed a diversified portfolio spanning global real estate and liquid assets to back its long-dated pension promises to Dutch dental professionals. Unlike corporate pension funds that can rely on a sponsor, SPT as a standalone sector fund had no external balance sheet — its funding position was purely a function of contributions, investment returns, and Dutch regulatory discount rates. The real estate exposure remained on the books even as the insured pension liabilities left, creating a tail of illiquid positions that now define the liquidation phase. The fund operates from Heerlen, Netherlands, with a governance structure that persists through the liquidation period. Key stewards include Dicker and Covers alongside board member and former BPVT chairman Ward van Dijk. No additional offices, adjacent venture arms, co-investment clubs, or philanthropic foundations are publicly associated with the entity. The fund's scale, relative to larger Dutch sector counterparts such as PFZW or ABP, is modest, and precise total asset figures before or after the liability transfer have not been disclosed as a matter of public record. SPT's structural differentiator is its terminality. Where most institutional investors exist to compound capital in perpetuity, SPT is executing a defined end-state. This creates an unconventional mandate: managing a shrinking pool of illiquid real assets to an eventual dissolution, with no new contributions, no growing liabilities, and a governance board whose primary fiduciary duty is the orderly exit. It is among a small number of Dutch pension funds to fully transfer obligations to an insurer under the country's evolving pension framework, making its liquidation a close case study in legal and fiduciary closure for continental sector funds.

## Sectors

- Real Estate

## People

- Gertjan Dicker — Chairman
- Fokko Covers — Vice-Chairman

## Questions

### Who governs SPT during the liquidation phase?

The same board that governed the fund during its operating phase continues in its fiduciary role. Chairman Gertjan Dicker and Vice-Chairman Fokko Covers remain responsible for stewarding the liquidation, alongside board member Ward van Dijk, who previously chaired the participant association BPVT.

### What assets does SPT still hold?

SPT retains a global real estate portfolio that was not transferred as part of the insured buyout. Illiquid assets cannot be seamlessly moved to an insurer and are being disposed of or managed down as part of the planned liquidation. Specific properties and portfolio composition have not been publicly disclosed by the fund.

### What is BPVT's relationship to SPT?

Beroepspensioenvereniging Tandartsen en Tandarts-specialisten (BPVT) is the professional association that represented the interests of the dentists and dental specialists who made up SPT's participant base. It functioned as the employer-equivalent body for the self-employed professionals in the mandatory sector scheme, and its former chairman, Ward van Dijk, serves on SPT's board.

## Related profiles

- [Stichting Pensioenfonds Provisum](https://altss.com/profile/stichting-pensioenfonds-provisum)
- [Stichting Pensioenfonds Thales Nederland](https://altss.com/profile/stichting-pensioenfonds-thales-nederland)

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Last updated: 2026-06-03T20:00:00.000Z

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