All about pensions

Would you like to know more about your pension? Or what to do if your situation changes? You will find all the information you need about your Zwitserleven pension scheme here.

What is pension?

What is pension?

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This is how pension works

In the Netherlands a pension consists of 3 pillars: your pension from the government, from your employer and accrued through insurance or bank savings products by means of which you make individual arrangements for your retirement income.

1. The government: state pension

Everyone who lives in the Netherlands receives a basic pension via the Dutch General Old Age Pensions Act (AOW). This is paid monthly by the Dutch Social Insurance Bank (SVB). You will receive this when you reach the state pension age. Check out what your state penson age is here .

2. Employer: old-age pension

Most employees accrue pension through their employer. The employer often pays a part of the pension contribution, while you pay the other part from your (gross) salary. Check out MijnZwitserleven to find out how much pension you are now accruing and your expected retirement income. On you will find an overview of all pensions. Also what you have accrued with previous employers.

Within your pension scheme, you can make choices that may affect your income for later. Check out the options below. Options may be different per scheme. 

3. Individual: your supplements

In addition to the state pension and your old-age pension, you can supplement your future retirement income. For example, by means of savings, investments or banking annuities. Please consult your adviser to find out more about the options available to you.

Kies hieronder welke situatie voor u van toepassing is

Accruing a pension

It may be a while before you can stop working, but you would be well advised to start looking into your pension scheme now. What are the arrangements you can make now for your retirement income?

About to retire

Your retirement date is approaching. An important moment in your life. You may have made plans already, or maybe you want to work a little longer. The choice is yours.

You are retired

Once you are retired, you will be able to enjoy and participate in the activities offered by Zelect. But we are also here for you if you want to make arrangements for your pension benefits. 

Pension Time and PensioenAvond

Would you like to know more about your pension? Make an appointment for a persnonal video call with one of our employees or sign up for the PensioenAvond (English: PensionEvening): a webinar for 40-55 year old participants on April 20.

Information on your pension with MijnZwitserleven

MijnZwitserleven tells you all about your pension situation. What is your expected income, and what about your expenses? How can you solve potential deficits? Step into your financial future.

How will the new pension agreement affect your pension?

How will the new pension agreement affect your pension?

The way in which our pensions are arranged in the Netherlands will change. We list the most important changes for you.

What if your situation changes?

Your pension may seem a long way off, but it may be advisable to think about it at certain times. See below which of these events are important to you.

Your work situation changes

Your private situation changes