Do I have 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. This can result in a significantly lower pension benefit than you expected or need. There are various causes that can contribute to the development of a pension gap, such as:

• Switching employers
  When you switch to a new job, it is possible that your pension plan changes or even temporarily drops.
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• divorcing
  In the event of a divorce, the accrued pension can be divided between partners, leaving you with less yourself.
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• Working abroad
  Working abroad can mean that you accrue less pension in the Netherlands; foreign employers often use different pension plans. Your AOW pension will also be reduced by 2% per year that you do not work in the Netherlands..
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• Part-time work
  When you work fewer hours, you also accrue less pension, which contributes to a lower pension amount.
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• A pension plan with a limited accrual
  ‍Not every pension plan is equally beneficial. Some plans offer limited accrual options, leaving your pension capital behind.

Calculate the pension gap

Do you want to know if you have a pension gap? Then you can easily and quickly gain insight into your personal situation using our insight tool. With this tool, you can view your current pension accrual and assess whether it is sufficient for your future needs. To do this, you need your DigiD login details or the DigiD app to securely retrieve your pension details. Start your pension check via the following link: My FinRust.

Questions or need advice?

Do you have specific questions about your own situation or do you want to know how to close your pension gap? Our advisors are here for you! Contact us for a personal consultation and find out what you can do to get your pension back on track.

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