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Lifetime, monthly interest
The big unknown variable, of course, is when you die. This has no consequences for the monthly payment amount. “It’s about monthly benefits for life,” says financial planner and pension advisor Eric Wienen of Planners van Waarde.
“No matter if someone is seventy or a hundred years old, you buy insurance, as it were, in order to ‘risk’ that you live a long time and therefore need more money.”
What has an effect is when you retire. On average, employees retired last year at the age of 65 years and 3 months, according to figures from the Netherlands Statistics Office. However, the government retirement age is 66 years and 7 months.
Those who retire early save less. During mijnpensioenoverzicht.nl You can find out how much pension you owe.
Pay a portion of your pension right away
Under the new Pensions Act, which is set to take effect next July, it’s also possible to have up to 10 percent of your total retirement savings deposit paid directly into your account on your retirement date. For example, to buy a mobile home or (partially) to pay off a mortgage.
However, this has several drawbacks. “Your pension in the future will be 10 percent lower,” says Wienen. This may also apply to the survivor’s pension, which is the pension that the partner receives after your death.
10 percent is also seen as income, as a result of which a large tax may have to be paid on this. In addition, it may have consequences for some additional fees.
So Wienen expects that few future retirees will benefit from this. “Unless, say, someone is in poor health and is not expected to live that long.”
The Nybod Budget Institute is concerned that 10 percent may suddenly be withdrawn. “Based on emotion, people can quickly choose a large amount at once, while there are better options from a financial standpoint,” Director Arjan Fligenthart said earlier in a statement. press release.
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