Pension Accrual for Self-Employed Professionals in Zoetermeer under the Future Pensions Act

From 2023, the Future Pensions Act (Wtp) reforms the Dutch pension system, with direct impact on self-employed professionals in Zoetermeer who do not have voluntary AOW insurance. In this growing city with many independents in tech and services, self-employed professionals do not accrue mandatory pensions, but the Wtp offers voluntary participation in sector pension funds via a premium table. The AOW remains the foundation for residents of Zoetermeer, while the Wtp accelerates the transition to defined contribution. Benefits include a higher coverage ratio and improved indexation, ideal for Zoetermeer entrepreneurs at local KvK events. Self-employed professionals can join the Old Age Reserve (FOR) for tax-advantaged accrual, up to 9.44% of profit in box 3. Unlike AOW, this offers flexible payouts and investment choices, fitting the dynamic economy around the Zoetermeer Innovation Dock. Costs: voluntary premium approximately 10-15% of income. Wtp Article 90 specifically regulates self-employed participation. Practice in Zoetermeer: register with a pension fund such as ABP or PFZW for a uniform agreement, often via local advisors at Zuidwaarts. Returns exceed AOW through market investments. Risk: no payout guarantee. Strategy for Zoetermeer self-employed professionals: fill the AOW gap and accrue via FOR/Wtp. The Tax Authorities apply annual room; example: with €50,000 profit, reserve €4,500 for pension. Become future-proof with the Wtp transition by 2028, supported by Zoetermeer business networks. (212 words)