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Purchasing an AOW gap: supplementing your pension in Rijswijk

The **AOW gap** is the difference between your desired pension and AOW benefit. In Rijswijk, you can purchase this locally via employer schemes or individual plans. Read how to secure your financial future with help from **District Court of The Hague** and **Legal Aid Office Rijswijk**.

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Purchasing an AOW gap: supplementing your pension in Rijswijk

The **AOW gap** is the difference between your desired pension income and the **AOW benefit**. In Rijswijk, under the district of **District Court of The Hague**, many residents face this shortfall. The AOW provides basic protection from your AOW age (67 years in 2024), but often does not cover all costs. This article discusses how to purchase your AOW gap in Rijswijk, with local legal support via the **Legal Aid Office Rijswijk**.

What is an AOW gap in Rijswijk?

The **AOW gap** arises when your AOW (approx. €1,600 gross per month in 2024 for full premium) does not cover your lifestyle. Rijswijk residents often aim for 70% of their last salary. Local factors such as high housing costs make supplementation crucial. The **Legal Aid Office Rijswijk** offers free advice on your rights.

Legal basis under District Court of The Hague

Purchasing falls under the **Financial Supervision Act (Wft)**, **Pensions Act** and **Income Tax Act 2001**. For Rijswijk residents, the jurisdiction of **District Court of The Hague** applies. You can supplement via IPP, group pension or employer schemes. In case of disputes: contact **Legal Aid Office Rijswijk** for mediation or proceedings.

How do you purchase your AOW gap in Rijswijk?

Specifically for Rijswijk, local employers and providers offer options:

  • Employer in Rijswijk: Build extra via premium contributions at The Hague/Rijswijk companies.
  • IPP locally: Conclude with Aegon or NN; deduct premiums via tax benefits.
  • Savings products: Rijswijk banks offer AOW-specific life insurance policies.
  • Own assets: Convert savings into lifelong income via pension funds.

For self-employed in Rijswijk

Self-employed entrepreneurs in Rijswijk utilize:

  • 30% ruling: Tax-free income for pension accrual.
  • IPP: Deductible premiums for Rijswijk self-employed professionals.
  • Life insurance: Build up until AOW age with local advisors.

Consult **Legal Aid Office Rijswijk** for personal advice on tax rules.

Practical examples for Rijswijk

Example 1: Via employer

Situation: Jan (55, Rijswijk) earns €4,000 gross, pension €1,200. AOW €1,600. Gap: €1,200. Via Rijswijk employer, he purchases €500 extra via premium increase. After pension: €3,300 total.

Example 2: Self-employed

Maria (50, Rijswijk) uses 30% ruling and IPP. Monthly €300 premium, tax deductible. **Legal Aid Office Rijswijk** checked her contract. Result: filled AOW gap.

Local help in Rijswijk

Visit **Legal Aid Office Rijswijk** for free consultation on AOW rights. For complex matters: **District Court of The Hague**. Start your pension plan today for a worry-free retirement in Rijswijk!