A pension account lets you put money aside for later. You can choose whether to save this money or invest it. When you retire, you can have your pension top-up paid out on a regular basis as gross income. With us, you can save and invest flexibly for your top-up pension within the pension account.
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 get saving for a pension top-up. If you want to invest as well, you can request this 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 get saving for a pension top-up. If you want to invest as well, you can request this option right away.
Pension investment with automatic risk reduction
Pension investment with choose-your-model-portfolio option
The money you put aside for your pension in a pension account is intended for when you retire. The interest rate is variable and is currently 1.90%. We reserve the right to change the interest rate. The interest you accrue will be transferred to your account on 1 January every year.
You pay a €49 opening fee when you open your pension account. At ABN AMRO, a pension account is called the Pensioenaanvulling.
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.
It's up to you to decide what money you want to put into your pension account:
If you already have a pension account with us, you can, for example, opt to deposit an amount automatically every month. You won’t have to think about it and you’ll accrue extra pension for later without noticing.
You must just make sure that the amount you deposit into your pension account every month or year stays within your annual or reserve space. You can then deduct this amount from your taxable income on your tax return.
The pension account is a special account that does, in principle, not allow any withdrawals by anyone before you retire.
If you do want to withdraw all the money in the account as a lump sum, this is called ‘commutation’. It’s important to think carefully about this, as it is subject to a commutation fee. On top of that, the Dutch Tax and Customs Administration may also impose a penalty for the commutation amount. If you’re considering withdrawing money, please get in touch.
If you decide to transfer the money in your ABN AMRO pension account to another bank or insurer before your state retirement age, you will be charged €150.
The funds in your pension savings account are covered by the Dutch Deposit Guarantee Scheme, meaning that your savings are automatically protected if the bank goes bankrupt, up to a maximum of €100,000 per person. The protection applies to the total amount you have (in all your accounts together) with ABN AMRO Bank N.V.
Banks are required to abide by the asset segregation requirement. This means that your investments cannot be classed as part of your assets. You are, however, eligible for the investor compensation scheme. For more information about this scheme, search for ‘Investor compensation’ on the English pages of the website of the Dutch central bank DNB.
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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