You’ve come here to find out more about adding to your pension. That’s very sensible, because the state pension (AOW) combined with a employee pension will often not be enough for a comfortable retirement. However, when trying to find out more about pensions, you may come across words you might not be familiar with. We’ll be happy to explain those here.
A pension shortfall means that your monthly expenditure will exceed your pension payments once you retire. You can make up for this shortfall yourself.
You can put some extra money aside for your pension and potentially get a tax credit for it. This tax credit is conditional on your additional deposits staying below a certain limit. We call this your annual margin. In Dutch it is called 'jaarruimte'.
The first pillar of the Dutch pension system is the state pension, known as ‘AOW’, which stands for General Old-Age Pensions Act. The second pillar is your employee pension. You can top up your pension with a third pillar in the form of a top-up pension.
You now get the basics of pensions. Well done! Once you understand how it works, it would be a good idea to take a closer look at your own pension situation. We have put together a step-by-step guide to help you with that. Simply go through the steps to check if you will be able to enjoy the same lifestyle in retirement.
Look for answers to our frequently asked questions about pensio on our service page.
The Investment and Pension helpdesk is available on working days between 8 am and 9 pm and on Saturdays between 9 am and 5.30 pm.
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