Netto Pensioen.

Netto Pensioen.

On the salary received in excess of €137,800 (2024), employees can no longer accrue an 'ordinary' pension. That is why Nu Pensioen (PPI) and the Zwitserleven Exclusief Pensioen have been expanded with the Zwitserleven Netto Pensioen. It allows employees to voluntarily accrue a pension on the salary in excess of €137,800 (2024). A net surviving dependants' pension is also possible within the Zwitserleven Netto Pensioen.

Please contact Zwitserleven for a Netto Pensioen proposal.

Zwitserleven Netto Pensioen summarised

  • The employer decides whether the Zwitserleven Netto Pensioen is offered to employees.
  • The employee opts for Zwitserleven Netto Pension in MijnZwitserleven. The employee can then choose from the available coverages.
  • The premiums and costs are paid by the employee.
  • The employer will withhold these premiums and costs from the employee's net salary.
  • No investment yield tax on the value of the net pension.
  • The pension capital is not taxed in box 1 and is paid out without withholdings.
  • Flexible: the employee can choose whether to take part and how much he or she wants to pay.
  • No medical guarantees.
  • Only a net surviving dependants'pension is also an option.

De werknemer aan het stuur

Employees chooses individually whether they want to accrue extra net pay pension. The minimum contribution is 50% of the net pay pension graduated scale. Each year, the employee can decide to deposit up to 100% of the graduated scale. The investment options are the same as in the basic scheme. The employee can choose HorizonBeleggen. If the employer allows it, the employee can also choose ProfielBeleggenor VrijBeleggen. The employee also decides whether he or she wants a net surviving dependants' pension.

Responsible investing

Since 2012, Zwitserleven has been named the most responsible investor among insurers five times. In the Dutch Association of Investors for Sustainable Development (VBDO) insurers benchmark 2019, our holding company VIVAT has been assessed by the VBDO. VIVAT's sustainable investment policy received a high ranking. It was the first time that the holding company was assessed instead of Zwitserleven and Reaal.