Pension Fund Transition: Tax Rules in Zoetermeer

In Zoetermeer, home to many civil servants and employees of local authorities, transitioning to a new pension fund under the Future of Pensions Act (2023-2028) entails minimal tax consequences. Accrued pension rights are preserved without revision interest, provided the contribution rate remains unchanged. The transition is fiscally classified under Box 1, with potential compensation for indexation shortfalls through funds such as ABP or PFZW, which are popular among Zoetermeer’s healthcare and education staff. Conditions include: the fund must approve the transition plan; voluntary switching is cost-free and aligns with the local labor market, which features many flexible contracts. Drawback: a temporary dip in future benefits may occur in the event of high interest rate risks, relevant for Zoetermeer residents with mortgages from regional banks. Example: €50,000 in transferred capital with a Zoetermeer-based fund may grow by an additional 2% return due to improved investment strategies in sustainable assets. Review your personal transition proposal via [mijnpensioenoverzicht.nl](https://www.mijnpensioenoverzicht.nl), attend an advisory session at Bibliotheek Zoetermeer, or assess risks with local pension advisors.