In your pension scheme you have various choices that you can make. You can only make a choice if your employer has included the option in your pension scheme.
PensioenAanvullen
With PensioenAanvullen, you can choose:
- Whether you want to contribute a fixed amount per month;
- Or whether you want to contribute an amount as a percentage of the tax allowance per month.
You can also choose to make a one-time additional pension contribution. The extra contribution is deducted from your gross salary.
Net pension
If your employer offers a net pension scheme, you can accrue net pension on the salary above €137,800 (2024). You can choose either a fixed amount per month or an amount as a percentage of the tax allowance per month. The contribution is deducted from your net salary. There is no time limit for making this choice.
Within the net pension scheme, a net orphans pension is automatically insured for any children, and a net partners pension is insured if your partner is known to us. You can choose to terminate these insurances separately. You do not need to fill out a waiver to terminate the partners pension.
Note: In the net pension scheme of Zwitserleven Pensioen, you cannot insure an additional surviving dependants pension.
Voluntary Surviving Dependants Bridging Pension
This is a voluntary additional insurance in the event of death at your own expense.
Read more about Voluntary Surviving Dependants Bridging Pension
Transfer of accrued benefits
Do you have a new job and are you accruing pension with Zwitserleven? Then you can transfer the value of your old pension(s) to your new pension policy with Zwitserleven. This is called transfer of accrued benefits.
Read more about Transfer of accrued benefits
Investments
- DynamischBeleggen
This is the standard form of investment. If you have chosen a different form of investment in the past, you can switch to DynamischBeleggen. We will then invest for you based on a lifecycle. A lifecycle is a specific composition of investments. With this composition, we invest with less risk for you as you approach your retirement age. We invest entirely in Zwitserleven funds.
Read more about DynamischBeleggen - ProfielBeleggen
You can choose to switch to ProfielBeleggen. You then create a personal investor profile. This indicates how much risk you can and want to take. You then choose to invest in one of the matching lifecycles managed by Zwitserleven. We invest entirely in Zwitserleven funds.
Read more about ProfielBeleggen - VrijBeleggen
In this form of investment, you invest entirely at your own responsibility. Not all pension schemes offer VrijBeleggen. If you choose this option, you are responsible for the investments and must make decisions independently.
Read more about VrijBeleggen - Preparing for Fixed or Variable Pension
With your pension scheme, you are building up income for later. From the moment your pension starts, you will receive a fixed or variable pension. It is important to consider this choice in a timely manner. If your preliminary preference is for a variable pension, we can take this into account before the retirement date and adjust the mix of investments accordingly.
Read more about preparing for fixed or variable pension
Adjusting retirement age
You can bring forward or postpone the date on which you actually want your pension to start. Contact us if:
You want to bring forward or postpone your retirement date; and You want and are able to retire within 5 years We can then provide you with further information and adjust your retirement date. On your benefit statement (UBS), we will then use the revised date. Your investments may be adjusted accordingly.
Separation and your pension
Are you divorced? Has your registered partnership ended? Or are you no longer living together? This can have consequences for your pension. It is important to know what you need to arrange.
Retirement
If you are about to retire, you have several choices you can make.
Read more about being about to retire
Pension upon death
If you pass away before your retirement date, your partner may sometimes have choices when purchasing a pension.
Read more about purchase of pension upon death