The pension system in the Netherlands contains three (or four) different columns with three responsible parties:

1. AOW (government)
2. Pension Fund (employer)
3. Personal Pension Savings (you)
4. Other Personal Wealth (also you)

If you haven’t always lived in the Netherlands, don’t get pension from your employer or just want to build some extra pension, we might be able to help you.

We can check whether or not an annuity account is something to help you build up a personal pension. With this account you save for your future and can get tax benefits, like tax returns and partial exclusion from wealth tax. Such an account is considered the third column in the Dutch pension system.