As an employee in Zoetermeer, you usually accrue pension through your employer. The premium is deducted from your salary or paid by your employer.
What does pension accrual entail?
Many employers in Zoetermeer automatically arrange pension for you:
- The premium is deducted from your gross salary
- Your employer often contributes a portion to the premium
- You accrue a small portion of your pension annually
- A pension fund or insurer manages your contributions
Different pension arrangements
| Type | Description |
|---|---|
| Average salary arrangement | Your pension is based on your average income |
| Defined contribution arrangement | Fixed contribution, final pension depends on investments |
| Final salary arrangement | Pension based on your final salary (rare) |
Franchise and accrual percentage
You do not accrue pension over your full salary:
- Franchise: a portion of your income over which no accrual takes place (due to state pension)
- Pensionable base: your salary minus the franchise
- Accrual percentage: the percentage you accrue annually (usually 1.5-1.875%)
Pension when changing employer
If you change jobs in or around Zoetermeer:
- Your accrued pension is preserved
- It is possible to transfer your pension (value transfer)
- With your new employer, you start new accrual
Frequently asked questions about pension
Do I always have a pension arrangement through my work?
Not necessarily. Small companies in Zoetermeer are not required to offer an arrangement. Check your employment contract.
Can I retire early?
Often you can stop 5 years before state pension age, but you will receive a lower amount.
How can I get insight into my pension?
Via mijnpensioenoverzicht.nl you can view all your accrued pensions, including from previous employers.
Additional questions about pension accrual
How much pension do I save annually?
This varies by arrangement and income. In an average salary arrangement, the accrual is often 1.5% to 1.875% of your pensionable base. In a defined contribution arrangement, the contribution is fixed, but the result depends on investments. Ask your employer or check your overview.
What if I work part-time in Zoetermeer?
You accrue over your part-time salary, but the franchise remains the same. This may mean you accrue less. Employers must treat part-timers equally in terms of percentage.
Can I save extra for pension myself?
Yes, for example via an annuity or bank savings within the tax rules. Some funds also offer voluntary contributions. Consult an advisor in Zoetermeer for tailored advice.
What is the difference between a fund and an insurer?
A fund manages pensions for a sector, an insurer is commercial and offers more choices. Both manage your contributions, but a fund is often safer in case of problems.
How does value transfer work when changing jobs?
You can take your pension to a new arrangement. Compare the conditions and request a quote from both parties before deciding.
What if my employer goes bankrupt?
Your pension is protected, as it is held separately by a fund or insurer. Via mijnpensioenoverzicht.nl you can continue to view everything, even after bankruptcy.
How do I know if my premium is being paid?
Check your payslip for the deduction. You can also see the contributions on mijnpensioenoverzicht.nl. If in doubt, contact your employer or fund in Zoetermeer.
For legal questions about pension, you can contact the Juridisch Loket Zoetermeer. In case of disputes, this falls under the Rechtbank Den Haag.