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Retirement doesn't have to be a concern – if you prepare in time

Retired life has changed dramatically in a few decades. In the past, the period was dominated by 'getting out for a while' after your career. But due to the increased life expectancy, it is becoming a serious phase of life, in which most people are still fit and independent enough to enjoy ten to twenty years. This also means that we have to approach our pension accrual differently. The sooner you prepare for retirement, the more carefree – and even longer – the phase becomes. Our pension experts tell you what to look out for.

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 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 is nice to have as much control as possible over such vital matters. Like when you retire. If you arrange it properly, you don't have to keep working until your state pension age – not everyone knows that. But if people only find out about this just before their retirement, it is unfortunately 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 with your pension, preferably as early as possible in your career. Ultimately, you only need two things for this: insight into your situation and an idea about your wishes and goals. Do you have a clear picture of your pension accrual and whether you are on the ideal schedule? Then it really doesn't take you that much time to periodically briefly consider it. For example, every year, or if you have a new job – where you can then negotiate your pension benefits much more effectively!

It doesn't have to be difficult

Many people are held back by the maze of complex regulations and difficult laws. Understandable, but you don't have to. If you drive a car, you don't need to know exactly what goes 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 regard your pension as a difficult arrangement that involves many complicated systems and which are regularly subject to fraught political debates. Think of it as one of your capital pots, just like your savings account, house and any investment accounts, which you put money in now for later. With the plus that it now provides you with a lot of tax benefits!

Experts under the hood

We will come back to the car comparison shortly. You don't need an in-depth understanding of how a vehicle works to drive it. But if something goes wrong, you as a driver do suffer from it. With cars it is very common to have a mechanic look at the problem. It should be the same with pensions: there are simply people who have a great deal of knowledge about the subject and can help, inform and advise you. 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 how your pension is doing and what your goal is – for example, do you want to stop working earlier, and what income do you need to live comfortably? With that information you can devise a plan. In this way you will know exactly what is needed for the third phase of life that you have in mind in the coming years.

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More information

Do you have questions about pensions or would you like to make an appointment with our pension experts right away? Please contact us. Our Service Center is available every working day from 8.00 am to 18.00 pm via and 0345 851 963.