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Pension investment

Investing for a well-earned retirement

Pension investment is a way to invest for a pension top-up. And if you stay within your annual margin, you also get a tax credit. When you retire, you can have your pension top-up paid out on a regular basis as gross income. You need a pension account to start investing.

Don’t have a pension account yet? Open one first (in Dutch).

Open a pension account to start investing

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Step 1: check your pension

Go to Mijnpensioenoverzicht and log in with your DigiD. You will see how much pension you can expect on the screen.

Step 2: calculate your annual margin

In addition to your state pension and employee pension, you’re also allowed to set some extra money aside for a top-up pension. You can deduct the amount from your taxable income, as long as this doesn’t exceed your annual margin.

Step 3: open a pension account

Once you’ve done this you can request the pension investing option right away.

One

Step 1: check your pension

Go to Mijnpensioenoverzicht and log in with your DigiD. You will see how much pension you can expect on the screen.

Two

Step 2: calculate your annual margin

In addition to your state pension and employee pension, you’re also allowed to set some extra money aside for a top-up pension. You can deduct the amount from your taxable income, as long as this doesn’t exceed your annual margin.

Three

Step 3: open a pension account

Once you’ve done this you can request the pension investing option right away.

How can you profit from pension investment?

Pension investment: here’s how it works

  • Open a pension account, if you don’t have one already
  • Select the ‘pensioenbeleggen' (pension investment) option in your personal pension environment.
  • We first ask a few questions to check that pension investment is right for you.
  • You decide if you want to invest with automatic risk reduction or prefer the choose-your-model-portfolio option.
  • You will be asked to read the terms and conditions and sign the agreement digitally.
  • Once you’ve done that, you’re all set to start investing for your pension!

Possible returns

This graph shows you what your return would have been if you had made a one-off investment of €1,000 in one of the five funds on 1 January 2019.

Source: ABN AMRO Investment Solutions, Morningstar. Returns as at 31/12/2023, in euros and after deduction of fees. Net dividends reinvested (if applicable). Based on a geometrical calculation method. The value of your investments can vary. Past performance is no guarantee of future results.

We offer you 2 investment strategies for your pension

Automatic risk reduction

Pension investment with automatic risk reduction

  • Invest in a well-diversified model portfolio 
  • Your portfolio risk is reduced automatically and gradually the closer you get to retirement
  • You can switch to the choose-your-model-portfolio option at any time

Choose your model portfolio

Pension investment with choose-your-model-portfolio option

  • Invest in a well-diversified model portfolio 
  • By selecting one of our model portfolios, you decide how much risk you want to take in your investments
  • You can switch to a different model portfolio or opt for automatic gradual risk reduction at any time

Why you should invest for your pension

Investing gives you a chance of higher returns than you can earn on savings. However, you may lose part of your investment. Your money will be invested in a well-diversified model portfolio. You decide for yourself if you want the risk to be gradually reduced automatically the closer you get to retirement, or you can choose the risk profile that's right for your situation yourself.

All the info at a glance

Check if pension investment is right for you

If you can answer ‘yes’ to the statements below, pension investment may be right for you.

  • You want to add to your pension and are prepared to run the risk of losing all or part of your investment.
  • You are aware that investment returns may turn out to be less than what you expected. Your investments may not yield any returns at all and the total amount on the maturity date may be less than what you put in.
  • You know that the value of your investments may fluctuate heavily sometimes. This is not something that will make you nervous.

Fees

Pension investment is subject to a service fee charged as a fixed percentage of the value of your investments. You will be charged 25% of the annual fee on a quarterly basis. There is also a fee to cover investment funds’ expenses, i.e. a fund’s ongoing fees and transaction fees. Further details of service fees are provided on the fee sheet.

Risks

You should only invest money that you do not need and that is surplus to your buffer for unforeseen expenses. While investing can be profitable, it also involves risk. You could lose all or part of your initial investment.

With pension investment, you make your own choices, without getting any advice from us, meaning that you decide how much risk you run. We have made a list of the most common investment risks for you.

Do not run unnecessary risk. Read the Key Information Document (in Dutch) . This document states that this product is subject to medium risk, i.e. 2 to 4 on a scale of 1 to 7.

Read more about the risk indicator on afm.nl .

Sustainability

Given that the pension investment model portfolios meet a number of sustainability criteria, they qualify as ‘ESG investments’. This means that several kinds of investments are excluded, such as investments in arms manufacturers and tobacco product manufacturers. We also avoid companies that have shown little commitment to sustainability. This non-financial analysis is performed for at least 90% of the portfolio.

Stopping investing for your pension

You can stop investing by selling all your investments. The proceeds from your sale will be paid into your pension account and continue as savings on which you earn interest.

If you had set up an automatic save/invest split for new deposits, make sure you change it to 100% savings.

All the info at a glance

Check if pension investment is right for you

If you can answer ‘yes’ to the statements below, pension investment may be right for you.

  • You want to add to your pension and are prepared to run the risk of losing all or part of your investment.
  • You are aware that investment returns may turn out to be less than what you expected. Your investments may not yield any returns at all and the total amount on the maturity date may be less than what you put in.
  • You know that the value of your investments may fluctuate heavily sometimes. This is not something that will make you nervous.

Fees

Pension investment is subject to a service fee charged as a fixed percentage of the value of your investments. You will be charged 25% of the annual fee on a quarterly basis. There is also a fee to cover investment funds’ expenses, i.e. a fund’s ongoing fees and transaction fees. Further details of service fees are provided on the fee sheet.

Risks

You should only invest money that you do not need and that is surplus to your buffer for unforeseen expenses. While investing can be profitable, it also involves risk. You could lose all or part of your initial investment.

With pension investment, you make your own choices, without getting any advice from us, meaning that you decide how much risk you run. We have made a list of the most common investment risks for you.

Do not run unnecessary risk. Read the Key Information Document (in Dutch) . This document states that this product is subject to medium risk, i.e. 2 to 4 on a scale of 1 to 7.

Read more about the risk indicator on afm.nl .

Sustainability

Given that the pension investment model portfolios meet a number of sustainability criteria, they qualify as ‘ESG investments’. This means that several kinds of investments are excluded, such as investments in arms manufacturers and tobacco product manufacturers. We also avoid companies that have shown little commitment to sustainability. This non-financial analysis is performed for at least 90% of the portfolio.

Stopping investing for your pension

You can stop investing by selling all your investments. The proceeds from your sale will be paid into your pension account and continue as savings on which you earn interest.

If you had set up an automatic save/invest split for new deposits, make sure you change it to 100% savings.

Investing involves risks

Pension investing is done with money that you have left over and that fits within your annual space. Investing involves risks. You can lose part of your investment. It is good to be aware of this.

Do you need help?

icoon

Do you have a question?

Look for answers to our frequently asked questions about pensio on our service page.

Go to service page
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The Investment and Pension helpdesk is available on working days between 8 am and 9 pm and on Saturdays between 9 am and 5.30 pm.

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