Pension funds

In the Netherlands, you are sometimes required to participate in a sectoral pension fund, including if you are employed in the construction, retail, hotel and catering, care and printing sectors. The Minister of Social Affairs and Employment has made it compulsory for entrepreneurs and workers in the sectors concerned to participate in a pension scheme. The Dutch Association of Industry-wide Pension Funds or your trade organisation can inform you whether this obligation also applies to your sector.

Occupational pension funds

In addition to sectoral pension funds, there are also a number of occupational pension funds. Participation is almost always compulsory for entrepreneurs and workers in the occupations concerned, which include pharmacists, physiotherapists and GPs, for example. For more information, please contact the Association of Occupational Pension Funds (Unie van Beroepspensioenfondsen) or your professional organisation.

Individual pension schemes

If your business is not covered by a compulsory pension fund, you may make arrangements for an individual pension scheme for yourself and/or your employees. For example via an insurance company. In this case, you or your employee will transfer an amount each month.