What are the alternative to build pension yourself and the pros and cons
#pensioen The funding ratio with the pension fund is falling rapidly and a possible solution is not yet on the table. Several pension funds are also reducing pensions. In this article you will find out what alternatives there are to have some money in the future.
The following issues will be addressed:
- Refund to the pension fund
- #Annuity insurance
- #Savings account
- #Savings deposit
- #banksparen
- #Invest
Refund to a pension fund
It is possible to deposit money into the pension fund you are affiliated with. This way you can raise your pension. You can see for yourself what money (holiday money, bonuses or your overtime) you want to use and how much you want to deposit. In most cases, it is advantageous, because the payment of the money is not taxed and runs through the payroll administration of your employer. It is therefore not possible to use your own money (savings) for this purpose. It is always wise to build up a survivor's pension, because in the event of death the money and the supplementary payments are left to the pension fund. Find out what the funding ratio of the pension fund is, to which you are affiliated. If your pension fund has a low coverage rate, it may be a shame to deposit extra money because it is offset by the pension fund's writing off on the pension.
When to do or not do
- +The extra deposit that is made is gross. There is no capital return tax on the amount to be paid.
- - You can't withdraw the amount in the meantime.
- - If there is no further closure, all the credit will be for the benefit of the #pensioenfonds - Yes.
Annuity insurance
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Gingerbread
4 years ago
Beleggen met de goede kennis en uitleg is goed. En voorzichtig met klein bedrag beginnen
