Net pension

On the salary received in excess of € 137,800 (2026), employees can no longer accrue an 'ordinary' pension. That is why Nu Pensioen (PPI) and the Zwitserleven Exclusief Pensioen have been expanded with the Zwitserleven Netto Pensioen. It allows employees to voluntarily accrue a pension on the salary in excess of € 137,800 (2026). A net surviving dependants' pension is also possible within the Zwitserleven Netto Pensioen.

Please contact Zwitserleven for a Netto Pensioen proposal.

Zwitserleven Netto Pensioen summarised

• The employer decides whether to offer the Zwitserleven Netto Pensioen.
• Employees can opt for the Zwitserleven Netto Pensioen in MijnZwitserleven, where they can also select from the available coverages.
• Premiums and costs are the responsibility of the employee, with the employer deducting these from the employee's net salary.
• There is no capital gains tax on the value of the net pension.
• The pension capital is not taxed in box 1 and is paid out without deductions.
• It's flexible: employees choose whether to participate and how much to contribute.
• No medical guarantees are required.
• A net surviving dependants pension is also an option.

The employee in control

Employees chooses individually whether they want to accrue extra net pay pension. The minimum contribution is 50% of the net pay pension graduated scale. Each year, the employee can decide to deposit up to 100% of the graduated scale. The investment options are the same as in the basic scheme. The employee can choose HorizonBeleggen. If the employer allows it, the employee can also choose ProfielBeleggen or VrijBeleggen. The employee also decides whether he or she wants a net surviving dependants' pension.

Responsible investing

The Zwitserleven feeling is about leaving a better world for our children. That's why we invest in organizations that are sustainable, honest, and responsible. You can find more information about our sustainable investment policy on our website.