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Building up extra pension for yourself

You can build up extra pension over your salary up to € 101.519 (amount 2016).

Via your employer you pay an amount to build up extra pension. You can do this each month but also in one go. With this money you accrue a capital sum.

You do not know in advance how much extra pension you will receive
We invest your capital sum. This way we try to ensure that your capital increases. The ultimate level of your capital depends on the contributions you have paid, the costs we incur and our investment results. Please bear in mind that the return can also be negative. Therefore you do not know in advance how much extra pension you will receive.

Using the capital, we buy extra pension for you
If you have an average salary scheme we convert the capital sum into retirement pension and partner's pension when you retire. If you have a defined contribution scheme we convert a portion of your capital sum into retirement pension and partner’s pension from 10 years before you retire.

How much pension can you build up?
The law allows you to accrue an amount of pension each year free of tax. This is referred to as the tax scope. If in any year you do not use the full tax scope you have, you may build up extra pension yourself.

If you have an average salary scheme, you can calculate how much extra pension you can build up and how much it costs on mijnpgbpensioen.nl. If you have a defined contribution scheme, please contact us via 020 541 8180 or via info@pensioenfondspgb.nl. We will calculate for you how much extra pension you can build up and how much it costs.

The risks you run with your capital
- You run an investment risk, because your capital sum can also increase at a slower pace, or even decrease. We try to keep this risk as limited as possible.
- You run an interest rate risk. Is the interest rate low when you buy pension using your capital sum? In that case you receive less pension than you may have thought. Is the interest rate high? In that case you receive more pension.

This happens with your capital when you die
What happens with your capital, depends on your situation:
- You have a partner
  We use your capital sum to buy pension for your partner.
- You have no partner but have children
  Are your children younger than 18 or between 18 and 27 and still at college or university? Then we will use your capital sum to buy pension for your children.
- You have no partner or children
  Your capital sum will lapse. Other relatives or friends therefore will not receive any pension from us.

How to make arrangements for the build-up of extra pension
If you have an average salary scheme, you arrange the build-up of extra pension via mijnpgbpensioen.nl. Do you have a defined contribution scheme? Please contact us via 020 541 81 80 or via info@pensioenfondspgb.nl.

How to terminate the build-up of extra pension
The build-up of extra pension stops automatically when you leave your employer, retire or receive AOW. You can also stop building up extra pension of your own accord. You do this via your employer.

 


 

Investment risk; Capital