Pension investment is a way to invest for a pension top-up. And if you stay within your annual margin, you also get a tax credit. When you retire, you can have your pension top-up paid out on a regular basis as gross income. You need a pension account to start investing.
Don’t have a pension account yet? Open one first (in Dutch).
Go to Mijnpensioenoverzicht and log in with your DigiD. You will see how much pension you can expect on the screen.
In addition to your state pension and employee pension, you’re also allowed to set some extra money aside for a top-up pension. You can deduct the amount from your taxable income, as long as this doesn’t exceed your annual margin.
Once you’ve done this you can request the pension investing option right away.
Go to Mijnpensioenoverzicht and log in with your DigiD. You will see how much pension you can expect on the screen.
In addition to your state pension and employee pension, you’re also allowed to set some extra money aside for a top-up pension. You can deduct the amount from your taxable income, as long as this doesn’t exceed your annual margin.
Once you’ve done this you can request the pension investing option right away.
Pension investment with automatic risk reduction
Pension investment with choose-your-model-portfolio option
You should only invest money that you do not need and that is surplus to your buffer for unforeseen expenses. While investing can be profitable, it also involves risk. You could lose all or part of your initial investment.
With pension investment, you make your own choices, without getting any advice from us, meaning that you decide how much risk you run. We have made a list of the most common investment risks for you.
Do not run unnecessary risk. Read the Key Information Document (in Dutch) . This document states that this product is subject to medium risk, i.e. 2 to 4 on a scale of 1 to 7.
Read more about the risk indicator on afm.nl .
If you can answer ‘yes’ to the statements below, pension investment may be right for you.
Pension investment is subject to a service fee charged as a fixed percentage of the value of your investments. You will be charged 25% of the annual fee on a quarterly basis. There is also a fee to cover investment funds’ expenses, i.e. a fund’s ongoing fees and transaction fees. Further details of service fees are provided on the fee sheet.
You should only invest money that you do not need and that is surplus to your buffer for unforeseen expenses. While investing can be profitable, it also involves risk. You could lose all or part of your initial investment.
With pension investment, you make your own choices, without getting any advice from us, meaning that you decide how much risk you run. We have made a list of the most common investment risks for you.
Do not run unnecessary risk. Read the Key Information Document (in Dutch) . This document states that this product is subject to medium risk, i.e. 2 to 4 on a scale of 1 to 7.
Read more about the risk indicator on afm.nl .
Given that the pension investment model portfolios meet a number of sustainability criteria, they qualify as ‘ESG investments’. This means that several kinds of investments are excluded, such as investments in arms manufacturers and tobacco product manufacturers. We also avoid companies that have shown little commitment to sustainability. This non-financial analysis is performed for at least 90% of the portfolio.
You can stop investing by selling all your investments. The proceeds from your sale will be paid into your pension account and continue as savings on which you earn interest.
If you had set up an automatic save/invest split for new deposits, make sure you change it to 100% savings.
Take a look at our terms and conditions:
Important information:
Pension investing is done with money that you have left over and that fits within your annual space. Investing involves risks. You can lose part of your investment. It is good to be aware of this.
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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