Do I have a pension gap?
A pension gap occurs when you accrue less pension than you need to live a comfortable life after retirement. This shortfall can lead to receiving significantly lower retirement benefits than anticipated or required. Several factors may contribute to a pension gap.
What is a pension gap?
A pension gap occurs when you accrue less pension than you need to live a comfortable life after retirement. Several factors can contribute: switching employers (changing jobs can alter or temporarily reduce your pension plan), divorce (accrued pension may be divided between partners, reducing your individual amount), working abroad (employment outside the Netherlands may result in lower Dutch pension accrual, and your AOW pension will also be reduced by 2% per year that you do not work in the Netherlands), part-time work (reduced work hours lead to lower pension contributions), and a pension plan with limited accrual options (not all pension plans offer equal benefits).
Calculate the pension gap
To assess whether you have a pension gap, DGA offers an insight tool that enables you to review your current pension accrual and determine sufficiency for your future needs. Access requires your DigiD login credentials or the DigiD app to securely retrieve your pension information. Start your pension check via Mijn FinRust at mijnfinrust.nl/portal/welcome.
Questions or need advice?
Do you have specific questions about your own situation or would you like to know how to close your pension gap? Our advisors are here for you. Contact DGA for a personal consultation regarding your specific circumstances and strategies for addressing any pension gap. Call 070 - 355 66 48 or email info@dga.nl.
Want to know more?
Our advisors are happy to take the time to discuss your wishes and options. Make a no-obligation appointment -- at our office or at your home.
Make an appointment