You can expect this:
Read all product specifications and conditions again? Look below ↓
Keep the following documents at hand:
At a glance what you need to know: such as the implementation costs and the conditions.
You are flexible in who is participating
As an employer you decide to whom you offer this employment condition. For example, to everyone with a contract for an indefinite period.
You cannot oblige employees
Even if you would like: you can never oblige employees to open a pension account. That remains the choice of the employee.
Bright Pension Solution is tax -attractive
The pension account (annuity account) at Bright is tax -attractive. Employees can reclaim the income tax paid on the investment through the tax authorities.
Employees are bound by their annual space
The deposit on the pension account must fall within the tax annual space in order to be able to recover tax. This is calculated on the basis of last year's income. It may therefore be that employees have little room to impose in the first year.
Your employee reports himself
The employee is responsible for the registration and tax refund. This is possible during the annual tax return or via a provisional refund. For employees without their own home or car, the latter is recommended, so that they are invited to report.
Your employee is responsible
Bright pension offers a third pillar (annuity) solution. The responsibility of the employer is therefore limited. The agreement is directly between employee and bright pension.
Contribution to the salary
A pension contribution in the third pillar goes through a gross surcharge on the salary. As a result, employees have a higher salary and are socially insured for a higher amount. As an employer, do you opt for collection at the employer? Then the investment that you pay as an employer must be deducted from the salary slip of the employee.
You pay social security charges and payroll tax
Because the pension contribution increases the salary, as an employer you pay social security charges about the contribution. This is around 20%. For employees who are entitled to allowances, this amount may be lower if their salary rises.
A bill is moving along
An employee who goes out of service retains his or her account (s). He or she can continue to put in and pay membership himself. Or opt for an insert break and pause membership.
You pass on the mutations
As an employer you are responsible for passing on changes. For example, if you hire a new employee who wants to register. Or if an employee goes out of service.
Reimbursement per person per year:
up to and including 20 employees € 180
employee 21 to 50 € 160
employee 51 and further € 150
In addition, you pay a one -off registration allowance of € 50 per person.
The above implementation costs are excl. VAT.
We invest at cost price. And your employees benefit from that! Because by investing at cost, as much as possible of the investment remains available for their retirement.
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
