An introduction in Dutch pension scheme & administration

Need a Dutch pension scheme & administration for your company in the Netherlands? We give professional pension advice to employers and their employees. If you’re new to the Dutch pension system, we can give you a quick overview below that explains the basic principles. For professional advice of the Dutch pension scheme & administration, we recommend to contact us with your questions.

Pensionmanagement specialist

We have the knowledge and experience needed to advise organisations and provide them with a policy framework for resolving these issues. The wealth of knowledge built up during the sector’s long history means it has the expertise to deal with wide-ranging forms of pensions, whether they are a defined benefit or defined contribution scheme or a hybrid form for its administration. And whether they are part of a sector pension fund or an organisation’s occupational fund or directly insured by an insurance company.

[Read more…] about An introduction in Dutch pension scheme & administration

Dutch pension consultant for international businesses

Want a pension scheme for your company? We are the Dutch pension consultant for your business. If your company is based in the Netherlands (or soon to be), we can help you to set up a pension scheme for your employees. A Dutch pension scheme is important for international companies to attract new employees with good labour conditions. Too many times we see, as Dutch pension consultant, international businesses coming to the Netherlands and wondering why they can’t attract new employees. One of the things is that the ‘bar’ is set much lower in other countries regarding a healthy pension scheme. Because the labor market is tight, potential employees have a great choice of possibilities. If you are a company in IT, for example, you need to propose great labour conditions to win from your competitors.

[Read more…] about Dutch pension consultant for international businesses

Calculate Business Pension for Entrepreneurs

In this article we will tell you more about the Dutch pension law and below you will find the way to calculate business pension for your company. Want to know how pension costs are being calculated?

The Dutch pension scheme is seen as one of the best in the world. This is not without reason. There is not much poverty amongst the older generation in the Netherlands. The drop in income is very minimal and is mostly due to our approach to our state pension (AOW). However, we still expect employers to make a calculate business pension plan for their employees to add-on to their AOW. Good working conditions are a very important aspect of your company and necessary to gain new and qualified employees.

First we have to determine what kind of pension scheme is necessary for your company. There are two types of pension schemes available. We’ll discuss what these schemes mean and which one would be suitable for your company.

  • Defined Benefit Scheme (DB)
  • Defined Contribution Scheme (DC)
[Read more…] about Calculate Business Pension for Entrepreneurs

Pension advice for companies in the Netherlands

Full independence is hard to find in the Dutch pension advice for companies. There are only a few pension advisers who can provide pension advice completely independently of pension insurers. We have no turnover obligations and we are not part of a pension insurer. Nor are we paid by them. We can provide Dutch pension advice with only one interest in mind; that of the company who will pay our bill: the employer. The only limits that we take into account are the requirements of you as an employer and the requirements of the pension law and the Dutch regulator.

An attractive company pension scheme with professional advice

The key to good pension management and advice for companies, therefore, is to find the right balance between the various competing interests. Providing an attractive pension scheme comes at a cost, while there is also a tension between guaranteeing future pensions and preserving their value. Employers seeking to reduce risks by contracting out their pension scheme management also need to ensure they maintain sufficient control over the details of the pensionbenefits Netherlands scheme.

[Read more…] about Pension advice for companies in the Netherlands

Professional pension administration & advice for your company.

Pension administration is a process that should be done carefully and professional. We’ve seen too many times that employers make mistakes during this process which can lead to lots of problems. Mistakes in pension administration are easily made, think of the calculations of salary of their employees. When you calculate the salary of your employees you have to keep in mind the 13th month, holiday bonusses and other add-ons to the salary. Sometimes the insurer asks to include the bonusses and sometimes they want it excluded. As you might expect, this can result in a messy pension administration that takes time to resolve for a professional. This is why we recommend to let it be done by us. When you give us permission to do the administration you can hold us accountable, so you won’t lose any sleep at night on these matters.

[Read more…] about Professional pension administration & advice for your company.

What is the Dutch pension price for an employer?

To determine what the Dutch pension price is for you as an employer, we have to take several things into account. The pension is funded through contributions from the employee as well as the employer. Usually the employers contribution is a percentage of the employee’s salary. This amount is then set aside per month to build up the employee’s pension. What kind of percentage and structure really depends on the demands of the employer. There is a framework that is most common, however, this is about to change in the new pension system (WTP).


Dutch pension price example:

Explanation pension salary:
Salary – state pension = Pension salary.

  • Yearly salary € 57.545,-
  • State pension € 17.545,-
  • Pension salary € 50.000,-
  • Pension premium scheme 12%
  • Pension premium per month € 500,-

Explanation employers and
cost per employee (€ 57.545,-)

  • Pension premium € 500,-
  • Partner pension € 20,-
  • Extra state partner-pension € 25,-
  • Management fees € 20,- per month

There is a max price limitation in premium of 30% of the Dutch pension salary.
This is legally capped at a salary of € 137,800.
Please note that these are approx. calculation. The premiums depend on age and chosen insurer.

Want to calculate your pension price immediately? Click here.


[Read more…] about What is the Dutch pension price for an employer?

WTP pensioen en jaarruimte berekening

WTP pensioen en jaarruimte berekening

De Kennisgroep Verzekeringsproducten en Assurantiebelasting van de Belastingdienst heeft een standpunt gepubliceerd waarin de kennisgroep een aantal vragen beantwoordt over de verwerking van de WTP pensioen en jaarruimte berekening. Met de inwerkingtreding van de Wet toekomst pensioenen vorig jaar kan deze verwerking, afhankelijk van de situatie, op drie manieren plaatsvinden, te weten:

WTP Berekening vlakke pensioenpremie

Jaarruimte en reserveringsruimte berekening

[Read more…] about WTP pensioen en jaarruimte berekening

Lijfrente Bright Pensioen beheer

Zelf een lijfrente Bright Pensioen regelen als werkgever? Samen met Bright Pensioen en u als werkgever kunnen we een mooie lijfrente voor de werknemers aanbrengen. Met de nieuwe Wet Toekomst Pensioenen (Wtp) zijn er sommige werkgevers die graag een lijfrente willen aanbieden bij haar werknemers. Er zijn een aantal voordelen wat dit met zich meebrengt. Denk bijvoorbeeld aan de fiscale voordelen voor de werknemer, een extra aanvulling op de AOW en veel keuzevrijheid. Hieronder gaan we ook in op enige valkuilen die de lijfrente met zich mee kan brengen.

Wie zijn Bright Pensioen?

[Read more…] about Lijfrente Bright Pensioen beheer

Scildon werknemerslijfrente pensioenbeheer

We ondersteunen bedrijven bij de implementatie van de werknemerslijfrente van Scildon. Dit is een groeiende pensioen oplossing die door steeds meer verzekeraars wordt aangeboden. deze regeling biedt werknemers de kans om via hun werkgever vrijwillig extra pensioen op te bouwen. dit is bijzonder relevant gezien de nieuwe wet toekomst pensioenen (wtp).

Scildon werknemerslijfrente pensioenbeheer

Voor meer informatie kun je ons een bericht sturen.

Samen met onze kennis gaan we ervoor zorgen dat Scildon werknemerslijfrente pensioenbeheer goed wordt opgezet en dat alle werknemers een mooi inzicht krijgen in alle voordelen en de mogelijke valkuilen die kunnen voorkomen. We leveren altijd maatwerk, afgestemd op de individuele toekomstplannen van elke individuele werknemer. Door dit gehele proces begeleiden we bij de keuzes van de werknemers en eventuele aanvullende dekkingen.

[Read more…] about Scildon werknemerslijfrente pensioenbeheer

Werknemerslijfrente Brand New Day pensioenbeheer

Wij bieden je hulp en advies bij het implementeren van de Werknemerslijfrente Brand New Day pensioenbeheer. Steeds meer verzekeraars bieden namelijk een speciale pensioenregeling aan voor werknemers, genaamd “werknemerslijfrente”. Deze regeling geeft een optie voor werknemers om via de werkgever vrijwillig extra pensioen op te bouwen. Dit kan zeer interessant zijn met de implementatie van de Wet Toekomst Pensioenen (WTP).

Meer weten? Stuur ons gerust een berichtje.

Dankzij onze expertise zorgen we ervoor dat de werknemerslijfrente goed in elkaar steekt en dat werknemers precies weten waar de voordelen en mogelijke valkuilen liggen. Voor dit product bieden wij maatwerk, elke werknemers heeft namelijk een andere toekomstvisie en kan er dus een ander plan van toepassing zijn. Ook helpen we bij het kiezen van de juiste verzekeraar en alle aanvullende dekkingen.

[Read more…] about Werknemerslijfrente Brand New Day pensioenbeheer