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Planning your pension in the Netherlands
Your financial future depends on the decisions you make today, especially when it comes to long-term planning.
The Dutch pension system is built on several pillars, and one of them gives you the possibility to build your own pension capital independently of your employer. This is particularly important for internationals who may not have a full pension history in the Netherlands.
We help you understand how the system works and what options are available to you.
No one covers it all like we do!
We guide you through the entire decision-making process in a structured and understandable way.
This includes:
- analysing your current financial situation.
- explaining the available pension options.
- comparing different solutions on the market.
- helping you choose the most suitable plan.
- supporting you in setting up your pension strategy.
You have one adviser, one clear process, and full overview at every step.
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Do you have any questions? Contact us via email or give us a call — our team is here for you every step of the way.
The Dutch pension system is built on three pillars: the state pension (AOW), employer pension, and private pension savings. As an international, you often build only part of this system, which is why additional private pension planning can be important.
Yes, but it depends on how long you live and work in the Netherlands. The longer you stay, the more state pension (AOW) you build. If you work for an employer, you may also build a pension through their scheme.
Your accumulated pension does not disappear. It remains available and can usually be claimed later, depending on the rules of the pension provider. We help you understand what applies in your situation.
Yes. You can build additional pension capital through private savings or investment-based pension products. This is especially useful if you have gaps in your employer or state pension.
This depends on your income, lifestyle expectations, and how long you plan to stay in the Netherlands. We help you calculate a realistic amount based on your situation and goals.
With regular savings, you have more flexibility and full control over your money. Pension products are often structured for long-term growth and may include tax advantages, but come with conditions. We explain both options clearly.
In many cases, yes. Some pension products allow you to benefit from tax advantages, depending on your income and situation. We help you understand what applies to you.
The earlier, the better. Starting early allows your capital to grow over time and reduces the pressure to contribute larger amounts later.
In most cases, pension products are designed for long-term use and cannot be accessed freely before retirement. However, regular savings or investments may offer more flexibility.
The right plan depends on your income, future plans, and how long you expect to stay in the Netherlands. We analyse your situation and help you choose a solution that fits your goals.
