Chamber of Commerce Amsterdam 34286224 • AFM licence: 12017381

KiFiD union number: 300.012661  

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Pension

Taking care of your future income after (early) retirement is an interesting challenge. In the best case scenario you start thinking about this at the beginning of your career as the regular (or lump sum) contributions will be on a reasonable level. So in fact the longer you wait with start building your pension package the higher the monthly (or lump sum) payment will be you need to make.

Certainly pension advice for expats is a very complicated and delicate matter; after all we need to investigate and accumulate the total sum of local pension packages (imagine that you have been living in different countries) and try to describe the tax implications to be able to get your net benefits from these pension arrangements on paper. On top of this we will add the extra private, offshore and other relevant pension packages as well.

We will compare the results from the above calculation with your expected and requested  pension situation.

In the Netherlands there is an exceptional pension system based on a three pillar principle;

•  Basic package for Dutch citizens; is coming from Dutch state pension   (in Dutch; “AOW”) and you will get a 100% benefit from this social security package when you resided in the Netherlands between age 15 and 65 years (for every year of staying abroad you will get a discount of 2% from this benefit).

•  The pension package in the relation of employer and employee; employment contract is informing us whether you are entitled to join this (group) pension solution.  

•  Private package; such as annuity vehicles, offshore pension policies and other pension packages.

We will always check all possibilities to find the best on- or offshore solution for you. Please feel welcome to contact us.