At a glance what you need to know: such as the game rules of building up pension with a tax benefit, our conditions and the costs.
Your pension account is fiscally affordable
If you put money on your pension account, you will receive the tax paid on your investment back. You pay that tax later, when you retire. You do not pay wealth tax on your pension pot.
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 is freely absorbed
You can use the investment account for purposes other than pension. You can take the money on this account 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 goal return of the standard Lifecycle is 4% above inflation (so 6% with a long -term inflation of 2%). In our eyes, this is feasible and realistic, but not guaranteed. Because returns from the past offer no guarantee for the future.
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.
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
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
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