Converting pension capital into pension income

If you've built up pension capital through other employers, you might be able to consolidate these pension pots into your Zwitserleven pension. This makes things more manageable: all your pensions are under one roof, and you only pay a single policy fee.

Learn more about combining pension pots.

You can tailor your pension income to fit your personal circumstances. Depending on the pension scheme rules, you have certain options at your disposal. You can indicate these choices through our MijnZwitserleven platform. We advise you to seek guidance from a pension adviser. Below, you'll find the most common options.

• Choosing your retirement date: Retiring early or retiring later
  Do you want to start receiving your pension on the set retirement date? Or do you prefer to start drawing your pension earlier or later?
  
  
• Arranging partner’s pension for your partner
  Do you have a partner? You may opt for your spouse to receive a lifelong pension after your passing.
  
  
• A temporary higher pension income
  A temporary higher pension to cover, for example, mortgage payments, travel to far-off destinations, or a gap before state pension payments begin.
  
  
• Lump sum withdrawal: not yet determined
  You might have already heard about it: taking a lump sum withdrawal. The exact conditions are not yet known. However, it might become possible to withdraw 10% of your pension capital in one go.
  
  
• Commuting a small pension
  You can commute a small pension that yields a maximum of €594.89 gross per year on your retirement date.
  
  
• Right to shop
  Purchase a pension income from a different insurer than the one where you've built up the capital.

Could you use some assistance with these options? Then take advantage of our handy tools.