As a self-employed person you often have to build up your own pension. What do you have to pay attention to and how much do you actually have to save?
Compared to employees with a permanent job, it seems as if you are making a poor living as a self-employed person. But you may actually earn more than you would in a permanent job. What is certain in any case is that you are responsible for arranging your own pension, among other things.
Fortunately, you have a few options for this in the Netherlands. What you choose depends of course on your situation and it is not necessarily possible to say what the best choice is. We try to give you the clearest possible overview of the pros and cons so that you can make a good choice yourself.
Please note, we are not an advisor, you must make your own choice. We only try to help as best as possible by listing the choices and the pros and cons.
What these parties and options all have is that you can make flexible contributions. This means that if you earn a little less, you can stop investing.
| Provider | ||
| Brand New Day | ||
| Bright Pension | ||
| Self-employed pension | ||
| ABN Banksparen | ||
| DeGiro Pensione Investing | ||
| BinckBank Pension Investing | ||
| Put money aside yourself |
We will discuss in detail the differences and the pros and cons. Remember, what the disadvantages are for one person may be the advantages for another!
The first three companies are really focused on pensions, bank savings from ABN, for example, means putting money aside for tax purposes, and with Binck and DeGiro you actively invest. As a final option, you can also put money aside in a savings or investment account, but then you will miss out on the tax benefit.