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Pension for self-employed persons

  As a self-employed person you are of course entitled to AOW after retirement.  Do you want a higher pension?  Then you have to arrange that yourself.  Five things you need to know about pension for the self-employed.  Discuss your pension with your advisor As you can read below, there are many options for arranging your own pension.  Each option has its own pros and cons.  Therefore, always discuss your pension with your accountant or financial advisor! 1. Tax benefits for retirement savings If you save for your retirement, you can take advantage of tax benefits up to a certain amount.  The amount you put into your pension is deductible.  You get part of the money back when you file an income tax return.  The amount in your pension pot does not count as assets in box 3. You therefore do not pay tax on the value of the pension pot. Do you stop working and start your pension?  Then you pay tax on the amount you receive.  Consequences of the 2019 Pension Agreement The 2019 Pension Agree
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7 ways to supplement your pension

You will soon receive an AOW benefit from the government.  If you work or have worked as an employee, you usually also receive employee pension.  For one in ten employees, however, nothing seems to be arranged.  Are your AOW and employee pension sufficient to pay your expenses?  What can you do if you think you need more income after all, or if you have built up little or no employee pension?  1. Save with an annuity (bank savings) product Do you regularly want to set aside money for your retirement?  Think of an annuity insurance, bank savings account or investment account.  This is a supplement to your employee pension.  You can deposit money into this product on a monthly or annual basis.  Your contribution is deductible if you can prove that you have a pension deficit.  You will receive a part of your investment back if you file an income tax return.  On the maturity date you must use the money to buy a pension benefit.  You pay tax on the amount you receive when the pension has co
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How flexible is your pension?

  The age at which you receive AOW is fixed.  But the pension you have accrued through your employer (employee pension) is often flexible.  For example, you can receive your pension earlier or later, exchange retirement pension for survivor's pension or vice versa, have part of your pension commence, first receive a higher pension and later a lower pension (high-low pension) or a low-high pension.  On this page you can read more about the choices regarding your pension.  Always ask for advice before making a choice!  Receive your pension earlier If you stop working earlier, the pension you accrue through your employer is lower than if you continue working.  You build up pension for a shorter period of time.  Your monthly pension is also lower, because you have to get by on your accrued pension income for more years.  And you often pay more tax on your retirement income.  So stopping work earlier usually means a lower income.  So ask for advice before making a choice. Please note: t
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Ten tips to keep control over your energy bill

The energy bill is an important part of your fixed costs.  Due to fluctuating energy prices, the amount you spend on energy can vary greatly.  Especially now that more and more energy providers no longer offer fixed contracts (with fixed rates for 1.3 or 5 years) and more people have to deal with variable rates.  But what can you do to regain control over your energy bill and what are you entitled to?  Read our ten tips for more control over your energy bill. 1. Get insight into your consumption and costs Check your final bill from your energy supplier to see how much your annual consumption is.  Nibud keeps figures of the average expenditure of households for gas, water and electricity.  You can see what costs households incur that are similar to yours.  How much gas you use, for example, mainly depends on the type of home you live in.  The number of people matters less for gas consumption.  This way you know whether you are already saving money or whether you can do a little more. 2.
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Ten money tips to make ends meet

You may be worried about your finances, especially now that energy prices are high.  How do you get through this period financially?  We are happy to help you with these tips to prevent you from having money worries.  On the right, you see an overview of all money tips. 1. Are you worried about money? Don't keep worrying, but see who can help you with money matters.  Such as local volunteers or the municipality.  Are you stuck?  Then call 0800-8115 for free advice. 2. Always pay your fixed costs and on time Fixed costs are, for example, your (health) insurance, rent, mortgage (interest and repayment), energy bill and interest and repayment on a loan.  Make sure you always pay these on time, just like your taxes.  Check your bank balance and your payments regularly. Do you see that a payment for fixed costs has failed?  Call the company you should have paid to, pay the amount as soon as possible or agree a payment arrangement.  This saves fines and collection costs. 3. Check what yo
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