Your retirement date is approaching. Do you know what there is to choose from when it comes to your pension? Here’s a list of your options:
- You can decide for yourself when you want to retire; you can do so between your 60th and 70th birthday.
- You don’t have to retire for 100%; you can also opt to go for a part-time pension.
- You can decide to get more pension initially after you retire and then a lower pension later on. Or vice versa. It’s entirely up to you.
- Will your partner also be getting their own good pension later? Will your partner be able to live on that should you pass away? Then you can use the pension that your partner would receive from our fund after your death to increase your own pension. After your death, our fund will pay your partner less or no pension.
- Will your partner get a somewhat lower pension later? And will your partner face problems after you die? Then you can raise the pension that your partner will get from our fund after your death with part of your pension. Your pension will then decrease.
What will you decide?
Keen to find out how your options will affect the level of your pension?
Send us an e-mail or call us on +31 88 1163059.
This is how other people are doing it
Hans wants to retire as soon as possible
He started working early, and has worked hard all his life. The time has come to stop working. Hans has decided to retire when he turns 61. He wants to tour around Europe on his motorbike together with a friend. He reckons he’ll be fit enough to do that. To be able to afford it and because he is not yet getting a state pension, he’s decided to go for a higher pension for the first five years. His pension will be lower from the time he turns 66.
Hans will be retiring more than five years before state pension age. The tax authorities will then ask Hans to declare that he will no longer be doing any paid work. Neither as an employed person, nor as a freelancer.
André wants to retire at the same time as his partner
His wife, Cécile, is older than André. She will be retiring when she turns 67. André will then be 65. He’s decided he wants to retire early so they can enjoy their free time together. Finally, they’ll be free to cycle and hike together. And see the grandchildren more often.
Cécile has a good pension of her own. Should André pass away, she’ll manage on her pension, no problem. She won’t be needing a pension from Pensioenfonds Rijn- en Binnenvaart (the Rhine and Inland Shipping Pension Fund). That prompts André to swap this pension for a higher pension for himself.
Collin is looking forward to slowly winding down his working life
He enjoys his work, but it’s getting a bit heavier as he gets older. Always on the water, away from home a lot: it is time to slow down, as far as he’s concerned. At the age of 63, he could retire altogether, but his fixed costs are still high. He wouldn’t manage to make ends meet with just his pension.
He talks to his employer about his options. They agree that Collin will carry on working for 80% until he gets his state pension. He supplements the salary he earns with a pension from our fund. In other words, he’ll go into partial retirement for 20%.