Pension in the Netherlands - which one is the best for a freelancer?
Thread poster: ArelTranslation

ArelTranslation
Netherlands
Local time: 20:02
English to Italian
Jun 20

Hi everyone,

I was starting thinking about opening a pension fund, I saw that there are a lot of options for freelancers here in the Netherlands. Anyway, I would like to have some of your feedbacks on which company is the most reliable, flexible and not too much expensive for the pension.

I read about "ZZP pensioen" by Loyalis and "Brand New Day". Do you have feedbacks on these two companies? Or on any other company that can offer a good freelance pension service?

Thank you in advance for your advice.

I wish you a lovely day!


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Olly Pekelharing  Identity Verified
Netherlands
Local time: 20:02
Member (2009)
Dutch to English
Bright Pensioen Jun 22

I just joined Bright Pensioen, mainly because friends recommended it and they say they only invest in sustainable funds. https://brightpensioen.nl/zzp-pensioen/

Olly


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Edith van der Have-Raats  Identity Verified
Netherlands
Local time: 20:02
Member (2016)
English to Dutch
+ ...
Box 3 investing Jul 13

Strange to discuss this topic in English (and I am not a financial translator), so please forgive me if any of the terminology sounds odd Having said that: I prefer to keep things in my own hands, so I do not want either an insurance-type of pension ('lijfrenteverzekering') or saving/investing an amount that I cannot touch until the age set for pension. Therefore, I have chosen index investing in box 3 (which means that I have to pay 1.2% investment yield tax). I use Meesman, an internet broker with a very simple system for index investing. They do not offer life cycle investment (automatically decreasing investment risk toward the pension age), so I have to deal with that manually. I think that Brand New Day offers something similar with life cycle functionality though, if you'd prefer that.

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