Fixed pension.

  • Attractive pension rate
  • Certainty about the amount of your pension
  • High-low benefit structure available

A fixed pension income every month

You will use your accrued pension capital to purchase your pension. With Zwitserleven, you can count on an attractive pension income. In addition, the investments we make with your capital are very sustainable. With a Zwitserleven Fixed Pension, you will receive the same amount of pension income each month for as long as you live.

  1. Invested capital:
    € 100.000

  2. Zwitserleven

    € 524per month

    Calculate your pension
  3. Allianz

    € 521per month

  4. ASR

    € 520per month

  5. AEGON

    € 516per month

The above fixed (gross) retirement incomes were calculated on 18/04/2024, for a man aged 67 (01/01/1957), with a pension capital of €100.000, a level pension and no partner's pension.

Features of Zwitserleven Fixed Pension

Fixed monthly pension income

A Zwitserleven Fixed Pension ensures that your accrued pension capital is converted into a lifelong retirement income.

Partner's pension

Your partner will receive the 'standard 70% partner’s pension' upon your death. If you do not have a partner or if your partner has a good income, for example, you can buy extra retirement income for yourself. 

Temporarily a higher pension

If perhaps you are still making mortgage payments or have children in education, you can choose to receive a higher pension income in the initial years.

Your choices

You can adjust your pension income to suit your wishes and situation. For example, would you like to defer your pension until your state pension age? Or take a higher pension in the first few years? A brief explanation of the various options is given below.

When to retire

Maybe you are going to work for longer and don't need the income yet. Or you would like to start receiving your pension income at the same time as your state pension. If you wish to stop working before your pension comes into payment, you can also bring your pension forward. If you wish to retire at a later date, your pension can be postponed. But make sure that you communicate your choice before your pension capital is released.

Choosing your retirement date
  • AOW
  • Pension

Early retirement: investment risk gets higher

If you decide to have your pension come into payment earlier, your expected monthly pension income will be lower. And the investment risk will be greater.

You invest in a lifecycle. This means that your investment risk is reduced as your retirement date approaches. If you decide to take your pension earlier, your investment mix will not be adjusted accordingly. Your allocation across the investment funds in Horizon Beleggen and Profiel Beleggen is always based on the allocation according to your original standard retirement date. Your investment risk will not be reduced at a faster rate. So if you take your pension earlier, your investment risk will be higher than if you start receiving your pension income on your standard retirement date. You can check the allocation across the investment funds here.

Partner's pension, yes or no?

Do you have a partner? If you do, you can choose to ensure that your partner receives a lifelong pension upon your death. Your partner can receive up to 70% of your pension. You don’t have a partner or your partner has an income of his or her own? In that case you can choose not to take a partner’s pension and receive a higher retirement income yourself. Your partner must, however, agree to this choice.

Partner's pension?
  • AOW
  • Pension

Your pension income

  • AOW
  • Pension

Pension income of your partner

Free disposal of up to 10% of the old-age pension

The Lump Sum Payment Act allows you to withdraw up to 10% of the old age pension as a lump sum on your retirement date. That sure sounds appealing. The big advantage of withdrawing a lump sum is the flexibility it gives you when you retire. After tax, you may spend this money as you see fit. You may want to renovate your home, repay some of that mortgage or go on your dream trip. Read more about lump sum withdrawal

Temporary a higher retirement income?

For instance, if you still have mortgage payments to make, or you want to travel the world or cover a period without state pension, you could choose to receive a higher amount of retirement income temporarily, for a maximum period of 10 years. The ratio between the higher and lower pension should be 100:75. i.e. the lowest income is at least 75% of your highest income.

Temporary a higher retirement income?
  • AOW
  • Pension

How to purchase a Zwitserleven Fixed Pension

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Arrange it online

Put your fixed pension together online.

We will send you a proposal

You will receive a proposal based on your choices.

You receive your pension income

You receive your pension income.

Most sustainable insurer

Most sustainable insurer

Zwitserleven is the most sustainable insurer in the Netherlands.