Put your (holiday) money to work
Grow for now and for later
You work hard for your money. So it’s only fair for your money to do something for you too. With an extra amount – such as your holiday money – you can do more. Besides your holiday plans, you can use part of the money to build your wealth. This way, you take a step today towards greater financial security for later.
Ready to get started? Discover our bonus offer for investing and pensions. Please note: investing involves risk. You could lose all or part of your initial investment.
What is wealth building?
You build wealth for future goals. For example, contributing to buying a home, funding part of your children’s education, or your pension. It can also give you more peace of mind and security. You can build your wealth in different ways, such as saving, investing, or setting money aside for your pension. Look at what suits you best and where your needs lie.
Why is it important?
Building your wealth can help you become less dependent on your income and prepare well for retirement. It gives you room to achieve the goals that matter to you in the future and helps you cope with financial setbacks. And most importantly: it gives you confidence in your financial future.
Building your wealth is not a one‑track choice
Choosing between saving, investing, or building a pension? That’s not always necessary. The combination often makes your financial future stronger. By mixing these options, you spread risks, increase your chances, and keep financial flexibility. Look at what suits you, where your needs lie, and which goals you want to achieve, now and later.
When should I start?
The earlier you start, the more time you have to build your wealth. And that can make a real difference, even if you start with small amounts. You build your wealth step by step each month and benefit longer from interest or returns. Does something change in your life? Then you can easily adjust the way you build your wealth.
Building wealth starts with peace of mind and clarity
Building wealth starts with a clear plan and good oversight. With clear goals and a plan, you make conscious choices. You make sure you have a solid buffer and are not guided by short‑term fluctuations. This way, you gradually build financial flexibility. Below, you can discover whether saving, investing, pension saving, or a mix of these suits you best. You can start by gaining insight through Nibud Budget Advice from the National Institute for Family Finance Information.
What all these goals have in common
- Start early, even with small amounts
- Be consistent: behaviour matters more than timing
- Spread your wealth across saving, investing, and pension
- Always keep a sufficient buffer
- Think not only about returns, but also about taxes
- Enjoy life, but make conscious choices
How do I start?
Many clients start with:
- building a savings buffer
- investing a small amount each month
- checking whether additional pension saving is worthwhile
Small steps can already make a big difference if you start on time.
“Building your wealth is important because it helps you gradually create financial peace of mind and security. For now and for later. And the great thing is: you don’t have to choose. By smartly combining saving, investing, and a pension, you build future‑ready wealth that fits your goals and your life.”
Joelle Veerman - Income & Wealth Adviser
The building blocks of your wealth
Saving
Saving feels like a safe choice for many people. It is useful for short‑term goals and for a buffer for unexpected expenses. Do keep in mind that with high inflation, your savings can lose purchasing power, especially if savings interest rates lag behind inflation.
Investing
Investing gives you more chance of growth in the long term. It suits goals that are further away. For example, a big trip later on or a fund for your child. Investing does involve risk. You could lose part, or all, of your investment.
Pension
You build extra wealth yourself so you can enjoy your retirement later without worries. Your money is not freely accessible, but you may benefit from tax advantages.
Frequently asked questions
Getting started with building your wealth
Set clear goals
Know what you are saving or investing for.
Start early
The earlier you start, the more you benefit from the compound effect.
Make a plan
Keep track of your income, expenses, and investments, and review your strategy each year.
Investing involves risks
Investing involves risks. You could lose (some of) the money you invested. If you are going to invest, it is important that you are aware of this. Invest with money you can spare. Read more about the risks associated with investments.