Pensiongap?
In this module we learned about the Dutch pension system and that many Dutch people have a pension gap. You can save for that with tax advantages and invest in the third pillar. That's what this assignment is about.
Assignment
In this assignment, we're going to determine if you have a pension gap. This begins by comparing your current income with your expected income after retirement.
- Take your average monthly income from the Fin Fit Tool and subtract 30%. That's your goal income after retirement. Is your current income not representative of what you expect to earn later? Then take a fictitious monthly income instead of the Fin Fit Tool outcome.
- Compare this target retirement income to your current retirement income which you can collect at Mijn Pensioenoverzicht.
- Does your current retirement benefit differ? If so, you probably have a pension gap that you can fill for tax purposes. To determine how much you can do about this, you need to determine your annual margin and reserve margin. This can be done via the tool of the Tax Authorities.
- Do you have annual allowance to use? Then it is important to see if this is possible according to your current financial situation, and to choose whether you want to do this yourself via DEGIRO or want to outsource to a performer such as Bright or Brand New Day.