The sooner you start, the better off you will be later.
Your own pot for later.
Pension and investment.
Invested sustainably.
Our membership
Membership: € 210 per year.
One-time registration fee: € 50.
The first year, as long as you remain under € 5,000 in assets, you pay no membership fee.
No small print, but clear agreements.
Terms and conditions retirement account
Terms and conditions investment account
Prospectus Bright LifeCycle Fund
Need to read all product specifications and terms again? Take a look below ↓
Before we can welcome you as a member, we need a few things from you. We are required as a financial institution to ask this:
Here's what you need to know: such as the ground rules of building a pension with tax benefits, our terms and conditions, and costs.
Your retirement account is tax-advantaged
When you put money into your retirement account, you get back the tax paid on your deposit. You pay that tax later, when you retire. You don't pay capital gains tax on your pension pot.
With a maximum and your money is fixed
There is a maximum to that tax benefit. Called: annual allowance. You can't touch your pension pot before you retire. Unless you become long-term disabled.
Your investment account is freely withdrawable
You can use the investment account for purposes other than retirement. You can freely withdraw the money in this account each month.
No tax benefit on investment account
On your investment account, you do not receive a tax benefit. Your deposit is not deductible and counts toward your assets in Box 3 (wealth tax).
We invest your money
The target return of the neutral fund is 6% and of the defensive fund is 3.5%. In our view, this is achievable and realistic, but not guaranteed. After all, past returns are no guarantee for the future.
Investing involves risk
The value of investments can rise and fall. We mitigate risk by spreading widely, rebalancing monthly and investing through a lifecycle. But you still face investment risks.
One-time registration fee: €50 (excluding any promotions)
Membership: € 210 per year
The first year, as long as you stay under €5,000 assets, you pay no membership fee
Entry fee: 0.07% for each deposit
Ongoing fund fees defensive: 0.11% in 2023
Ongoing fund charges neutral: 0.17% in 2023
Exit fee: 0.05% for each withdrawal
