Enjoy your pension for a long time? That is a very realistic scenario. In the Netherlands, the average life expectancy is even above the EU average. With that prospect, thorough preparation is all the more important, such as careful planning of your monthly pension accrual. Our experts will tell you exactly what you need to take into account.
For later, but also for now
It goes without saying that your pension is important for the future. Together with your state pension and any other resources, such as your savings, it determines your financial position when you have finished working. So what trips you can make, where you can live and how carefree you can live? That all depends largely on your pension. But this also applies, for example, to the question of when you can stop working. And what happens if you unexpectedly become incapacitated or die. Your pension can therefore also be decisive earlier in your career.
Getting behind the wheel…
It is nice to have as much control as possible over such life-defining matters. Such as the moment at which you retire. If you arrange it properly, you do not have to continue working until your state pension age – something that not everyone knows. If you only find out about this just before your retirement, it is unfortunately already too late to influence it. So take control in time.
…and determine your own route
To start working on your pension on time, you only need two things: insight into your situation and an idea of your wishes and goals. Do you have a clear picture of your pension accrual and whether you are on schedule? Then it really won't take you that much time to think about it periodically. For example, every year, or when you are considering a new job. You can then negotiate about it much more effectively.
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It doesn't have to be difficult
Many people are put off by the tangle of complex regulations and difficult laws. Understandable, but that is not necessary. If you drive a car, you do not need to know exactly what is happening under the hood, do you? Of course it can help, but it is not necessary. That is also how it works with pensions: as long as you know the things you need, it is fine.
Therefore, do not see your pension as a difficult arrangement, with many complicated systems attached to it and political debates about it. Rather, see it as one of the capital pots in which you now put money for later: such as your savings account, house and possible investment accounts. And that gives you a lot of tax advantage now.
Experts under the hood
You don't need in-depth knowledge of cars to be able to drive them. But if something goes wrong, you as a driver will suffer. Often you will have a mechanic look at the problem. That's how it should be with pensions: there are simply people who know a lot about it and can help, inform and advise you well. Make use of that.
Pension experts from De Unie
Our pension specialists will help you get started with your pension. We do this in a personal conversation: we find out what your pension status is and discuss what your goals are - for example, we look at whether you can stop working earlier and what income you need to live comfortably. We will use that information to help you formulate a plan. This way, in the coming years, you will know exactly what is needed for the third phase of life that you have in mind.
Learn more!
Thinking about your pension structure is useful and fun. Our experts have selected a number of interesting links for you.
- What you can do yourself to build up your pension (source: Nibud)
- Stop working earlier: this is how you can retire early (source: asr)
- Retire earlier or later, part-time pension or exchange pension. What can you do with your pension? (source: Financial Wiser)
More information
Do you have questions about pensions or would you like to make an appointment with our pension experts? Please contact us. Our Service Center can be reached every working day from 8.30:17.00 AM to XNUMX:XNUMX PM sc@unie.nl and 0345 851 963.
