By means of the General Old Age Pensions Act (AOW), the government provides a basic retirement provision for all Dutch people. But additions to that are necessary.
For you as an entrepreneur
As an independent entrepreneur, you do not accrue pension. without making any further arrangements, you will only receive AOW from the age of retirement.
There are many possibilities to set up your pension provision. The aim of the various regulations is to ensure that the entrepreneur receives a retirement income. Before or after retirement age. The degree of pension security, the costs of the pension scheme, your assets and the legal and fiscal rules play an important role in the choice of a pension scheme.
For your employees
The same applies to a collective pension scheme for your employees. Do you want to give them plenty of financial security, or freedom of choice? Or do you opt for your own budgetability?