Pension
Do you want to supplement your pension for a comfortable old age? Or are you not building up a pension at all as a self-employed entrepreneur? I advise you on the smart routes to more money for later.
Retirement closer than you think
For many people, retirement seems like a distant prospect. But the truth is, it’s coming closer than you think. Whether you’re just starting out or have been working for a while, it’s never too early to start thinking about your financial future. By planning ahead, you can enjoy a carefree old age.
There are five types of income sources that can contribute to your income when you retire:
What is pension
In general, a pension is an income insurance that insures an income when it is lost due to old age, disability or death. Most people build up a pension through their employer. Whether and how much this is depends on the employer. Therefore, check how your pension affairs are doing.
Calculate your AOW age and look at www.mijnpensioenoverzicht.nl.
And how much pension will you have later? Do you think that is enough or too little? And what is there for your survivors when you die?
Personal financial advice
Do you want to supplement your pension or do you want extra money for later? For example for another savings pot, such as travel, a second home or a boat?
We are talking about power issues here. And in these situations there are a number of things you need to think about. For example:
Do you now have money left over for additional pension?
What are the rules of the Tax Authorities?
What are the advantages and disadvantages of saving or investing?
An independent financial advisor will give you personal and tailored advice for any additional measures for financial security for later. Whether you are an employee, employer, self-employed person or director. Together we will look at your wishes for the future.
Annuity for self-employed persons
As a self-employed person, you do not build up a pension with an employer. But of course you do want money for later. There are various possibilities for this, so that you prevent a pension deficit.
For example, you can use various tax benefits very flexibly through an annuity. The premium you pay is already deductible now. Only when you have it paid out later do you have to pay tax on it. And usually you then fall into a lower tax bracket. So that is an advantage now and an advantage later!
In the meantime, the assets have grown nicely. You can choose whether the deposit is invested in shares, bonds or savings interest. And if it doesn't work out one time, you can also choose not to deposit that month - without penalties.
Don't wait too long to start putting money aside, because the longer you wait, the less you can save for later.
Independent and tailor-made advice
Are you curious about the possibilities to arrange your pension well? Whether you are employed or self-employed, I am happy to help you gain insight into your financial future. Together we will discuss your wishes and ensure a suitable plan. Feel free to contact me for personal advice!