1. AOW
Everyone in the Netherlands that the voting age reaches entitled to a state pension. Whether you want your working life largely spent in paid employment or self-employed, no purpose out. After the age of 65 - and soon your 67th - year of life have therefore at least entitled to a state pension, but that amount is for retirees often not sufficient to prolonged carefree to enjoy an old age.For that reason, it is - for entrepreneurs - advisable to look seriously at the various possibilities to build up pension. Below are four options. More information on the state pension and the amount of benefit can be found on the website of the Central Government . Here you can read more about the implications for your pension when you decide to emigrate to another country after your retirement.
2. Saving for your retirement
Save: himself put money aside is a great way to make your income after your retirement. This is for many entrepreneurs also a way obvious to build up a supplementary pension, but also can save now in various ways. So please do not choose to save for old money to deposit in an old sock, a monthly amount into a savings account and / or by speculating with shares.Rabobank also offers businesses several possibilities to save for their old age. So you can build include pension -house reservations or money for a specific purpose in the future. You can also make an appointment for personal advice. Our consultants will gladly assist you in choosing the savings scheme that best suits your situation and needs.
3. Tax Oudedagreserve (FOR)
The Oude Dag Reserve , often abbreviated to FOR, is a useful fiscal tool that allows you annually may reserve a portion of the profits for your old age. You can only use the FOR-regulation as a sole proprietorship, general partnership or partnership does. Please note that the formation of a pension reserve does not mean that you actually money set aside. This arrangement gives you only deferral of tax on that particular part of your profits.In the short term it will give you considerable advantage, but remember that when you retire, you still owe money to the tax authorities. However, this amount is however lower because the tax rate is lower than your retirement age. Retirement building done by your accrued FOR example, to buy an annuity (see also point 4). For more information about the Oudedagreserve on the website Tax .