Purchasing the AOW-gap in Zoetermeer: supplementing your pension
The **AOW-gap** is the difference between your desired pension and the **AOW benefit**. In Zoetermeer, many residents receive only AOW after retirement, which is often insufficient. By purchasing this gap, you increase your income. This article explains how to arrange this in Zoetermeer, with legal advice via Rechtbank Den Haag (district) and Juridisch Loket Zoetermeer.
What is an AOW-gap?
The **AOW-gap** arises when your **AOW benefit** does not cover your cost of living. AOW starts at **AOW age** (67 years in 2024, rising to 68 in 2030). Maximum approximately €1,600 gross per month (with full contributions). In Zoetermeer, many residents aim for 70% of their last salary. Purchasing secures your future.
Legal basis and rules in Zoetermeer
Purchasing falls under the **Financial Supervision Act (Wft)**, **Pensions Act** and **Income Tax Act 2001 (WIB 2001)**. For disputes: Rechtbank Den Haag (district). Free advice at Juridisch Loket Zoetermeer. Options via employer pensions or individual insurances.
No legal obligation, but popular. Connect with local providers or employers in Zoetermeer.
How do you purchase your AOW-gap in Zoetermeer?
Options:
- Via employer: Build extra through premium contributions at Zoetermeer companies.
- Independently: IPP with Aegon, NN or Achmea – conclude locally.
- Savings products: Banks offer life insurances or 30% ruling for self-employed in Zoetermeer.
- Own capital: Convert savings into lifelong income via pension funds.
For self-employed in Zoetermeer
Self-employed: use the 30% ruling for tax-free pension accrual, IPP with deduction or savings life insurance. Seek advice at Juridisch Loket Zoetermeer.
Practical examples
Example 1: Via employer in Zoetermeer
Situation: Jan (55, Zoetermeer) earns €4,000 gross, pension €1,200/month. AOW €1,600. Total €2,800, target €2,800+€500=€3,300. Via employer extra premium: fills €500 gap.
Example 2: Self-employed in Zoetermeer
Situation: Marieke (50) earns €5,000, no employment pension. AOW €1,600. Target €3,000. Concludes IPP: €300/month premium, tax-deductible. After AOW: €1,400 extra. Check with Rechtbank Den Haag for Wft-compliance.
Next steps in Zoetermeer
1. Calculate your gap (online tools). 2. Consult Juridisch Loket Zoetermeer for free advice. 3. Compare providers. 4. Conclude contract – pay attention to Wft rules. In case of problems: Rechtbank Den Haag.