Sign up at Bright Pensioen

Here is a summary of what you need to know: including the rules for building a pension with tax benefits, our terms and conditions, and the costs.

You should know this

Your pension account is fiscally affordable

When you contribute to your pension account, you receive a refund of the tax paid on your contributions. You pay this tax later, when you retire. You do not pay wealth tax on your pension fund.

With a maximum and your money is certain

There is a maximum of that tax benefit. Called: annual space. You may not get your pension pot before you retire. Unless you become incapacitated for work.

Your investment account offers free withdrawal.

You can use the investment account for purposes other than pension. The funds in this account can be withdrawn freely every month.

No tax benefit on the investment account

You will not receive a tax benefit on your investment account. Your stake is not deductible and counts for your assets in box 3 (wealth tax).

We invest your money

The target return of the standard lifecycle is 4% above inflation (i.e., 6% assuming a long-term inflation rate of 2%). In our view, this is achievable and realistic but not guaranteed, as past returns do not guarantee future performance.

Investing entails risks

The value of investments can rise and fall. We limit the risk by spreading broadly, re -balancing monthly and investing via a lifecycle. But you continue to deal with investment risks.



This is what your membership looks like

Payment of the registration fee: € 50 (MUV any promotions)
Membership: € 210 per year (tax deductible within your annual space)
The first year, as long as you stay below € 5,000, you do not pay membership costs

The price tags of investing at cost price

Entry fee: 0.08% for each deposit
on current fund costs Income: 0.05% in 2025
ongoing fund costs Growth: 0.24% in 2025
Expenses allowance: 0.08% for each admission