With a bit of luck and solid preliminary work, you can make a lot of money with your pension. It has long ceased to be a period of 'exorcising and counting down': it is a serious phase of life in which you can enjoy happily and actively. Proper preparation ensures that your pension can be carefree and longer – even now that the pension system is about to change. We are happy to share what you should pay attention to.
For later, but also now
It goes without saying that your pension is important for later. Together with your state pension and any other resources, such as your savings, it determines how you stand financially when you have finished working. So which trips you can take, where you can live and how carefree you can live? It all largely depends on your pension. But that also applies, for example, to the question of when you can stop working. And what happens if you unexpectedly become incapacitated for work or die. Your pension can therefore also be very decisive at an earlier stage.
Getting behind the wheel…
It's nice to have as much control as possible over such life-determining matters. Like when you retire. If you arrange it properly, you don't have to continue working until you reach state pension age – not everyone knows that. But if you only find out just before you retire, it will unfortunately be too late to exert any influence. The sooner you take control of your pension, the more control you have over it.
…and determine your own route
So start working with your pension, preferably as early as possible in your career. In the end, you only need two things: insight into your situation and an idea about your wishes and goals. Do you have a clear picture of how your pension accrual is now and whether you are running on the ideal schedule? Then it really doesn't take you that much time to think about it periodically. For example, every year, or if you have a new job - where you can then negotiate much more effectively about your pension accrual!
It doesn't have to be difficult
Many people are held back by the maze of complex regulations and difficult laws – especially now that the system is being partly overhauled. Understandable, but you don't have to. When you drive a car, you don't need to know exactly what's going on under the hood, do you? Of course it can help, but it is not necessary. That's how it works with pensions: as long as you know the things you need to get to your destination, it's good.
Therefore, do not view your pension as a difficult arrangement that is subject to many complicated systems and is regularly the subject of fraught political debates. Think of it as one of the capital pots that you put money in now for later, such as your savings account, house and any investment accounts. With the plus that it now gives you a lot of tax benefits!
Experts under the hood
We will come back to the car comparison in a moment. You don't need a deep understanding of how your car works to drive it. But if something goes wrong, you as a driver will certainly be affected. With cars it is very common to have a mechanic look at the problem. That should also be the case with pensions: there are people who have a great deal of knowledge of the subject and can help, inform and advise you well. Take advantage of that too!
Pension experts from De Unie
Our pension specialists will help you on your way if you want to get started with your pension. We do this in a personal meeting: we find out the status of your pension and discuss your goal – for example, do you want to retire early, and what income do you need to live comfortably? We use that information to help you formulate a plan. In the coming years you will know exactly what is needed for the third phase of life that you have in mind.