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Accruing extra pension

There is a possibility that your state retirement pension plus the pension you accrue through your employer will not be enough to enable you to enjoy a comfortable retirement. Depending on your personal situation, you can take steps to make extra pension savings. There are several ways of accruing extra pension. 

How much pension have you accrued so far?

Whether it makes sense for you to accrue extra pension depends on how much pension you have accrued so far. Go to your personal online portal to find out what your pension situation is if you are actively accruing pension with a.s.r. You can check your pension situation on the Pensioenschijf-van-vijf (Dutch only) if you are not accruing pension with a.s.r. Alternatively, you can visit mijnpensioenoverzicht.nl.
If you know already that you will have a pension gap, we urge you to educate yourself about the different ways of accruing extra pension.

Accruing extra pension
  • Through your employer’s pension scheme toon
  • Yourself with favourable tax treatment toon
  • Yourself, without favourable tax treatment toon

Why accrue extra pension?

Pension amounts generally are reducing due to several reasons. To name just a few:

  • The government is making changes to keep the state pension affordable.
  • The government is lowering the tax allowance thresholds for pension accrual.
  • You might not have accrued pension for all of the years you have worked, for example because your employer did not have a pension scheme, or you are working as a freelancer. You could then find yourself with a pension shortfall.

Consult an independent adviser  

If you want to do something about accruing a bigger pension for your retirement, you can seek advice from a pension adviser. Such an adviser can provide you with customized advice. Please be sure to discuss in advance what your adviser will charge for this advice and what any additional services entail if these are required.

Any other questions?

Please feel free to contact us at any time. We are available by telephone on business days from 8 a.m. to 5:30 p.m. on +31 (0)30 257 42 66. Alternatively, you can complete the contact form. We are here to help.