As a self-employed professional without employees (zzp'er) in Rijswijk, you do not receive a pension from an employer. It is essential to arrange your own future financial security. There are various options available.
Importance of Building Your Own Pension
For self-employed professionals, the state pension (AOW) is often insufficient to live comfortably after retirement. Therefore, it is crucial to make supplementary provisions yourself.
Options for Pension Accumulation
| Method | Advantage | Disadvantage |
|---|---|---|
| Annuity Insurance | Tax Advantage, Guaranteed Income | Little Flexibility |
| Bank Savings for Annuity | Tax Benefits, Self-Directed Investment Choices | Investment Risks |
| Self-Investing | Potential for High Returns | Risks, No Tax Advantage |
| Saving | Safe and Flexible | Low Returns, No Tax Benefit |
| Home Ownership | No Rent Costs in Old Age | Value May Decline, Not Immediately Available |
Tax Benefits: Annual Room and Reserve Room
You can deduct a certain amount from your taxes for your pension accumulation:
- Annual Room: dependent on your income from the previous year
- Reserve Room: unused annual room from previous years
- Calculate this using tools from the Tax Authorities
Participation in a Pension Fund
For some self-employed professionals in Rijswijk, it is possible to voluntarily participate in a pension fund:
- This is possible if you previously worked as an employee in a similar industry
- Or via a fund specifically for self-employed professionals
Frequently Asked Questions About Pensions for Self-Employed Professionals
How much should I save for my pension?
A guideline is to reserve 10-15% of your income. Use tools such as mijnpensioenoverzicht.nl to calculate your required amount.
What is more tax-efficient: annuity or regular saving?
An annuity offers a tax advantage, because you pay less tax now and only later upon payout.
May I withdraw my annuity earlier?
No, withdrawal is only possible from 5 years before your state pension (AOW) age. Otherwise, you pay an additional tax, revision interest.
Legal Support in Rijswijk
For questions about tax rules or legal aspects of pension accumulation, you can contact the Legal Counter Rijswijk. Additionally, Rijswijk falls under the District Court of The Hague for any disputes.