Pensions explained for employers, HR and works councils
Practical articles on the questions employers and their employees ask most often. Written by Aukje Lonhard, pension adviser for more than 30 years.
Setting up and changing a scheme
What you need to arrange as an employer before 1 January 2028
The new rules, four decisions and a step-by-step plan with deadlines.
Setting up a schemeSetting up a pension scheme for your employees: step-by-step plan and costs
Are you obliged to, what does it cost and how do you choose a pension provider?
Mandatory pension fund: does your company fall under a mandatory industry-wide pension fund?
Hospitality, retail, cleaning, metal: how to check and what a back-payment assessment costs.
Pension increases in 2026 and 2027: what indexation means for your scheme
Why one scheme raises pensions and another does not.
Investing pension money: how the defined contribution scheme works and what employees need to know
Lifecycle, risk profile and the questions HR gets asked.
Pensions in the Netherlands: the three pillars explained for employers and HR
State pension (AOW), employer pension and personal top-up in one overview.
Pension communication
Gross and net pension: how to explain it to your employees
Why the net amount is lower and how HR answers that question right the first time.
Retirement age and state pension age: when can your employees retire?
State pension age by year of birth and what it means for your workforce planning.
Building up extra pension through the employer
Voluntary extra savings within the scheme: how to set it up.
Early retirement: what it costs and what you can arrange as an employer
RVU threshold exemption, generation pact and part-time retirement.
How much pension will I get? How to read your pension statement
The annual pension statement (UPO) and mijnpensioenoverzicht.nl explained, for HR too.
Pension payments: how and when your pension is paid out
From application to first payment, including the choices at retirement date.
Building up your own pension
Building up a pension as a director-major shareholder (DGA): your options now that self-administered pensions are gone
Insured, annuity (lijfrente) or within the private limited company: weighing the options.
Annuity (lijfrente) or pension: what is the difference and when do you choose which?
For self-employed professionals, DGAs and employees with a pension gap.
Calculating your annual tax allowance (jaarruimte): how much can you save tax-efficiently?
The expanded annual tax allowance since the Wtp, with a worked example.
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