Sign up at Bright Pensioen

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What are you going to get?

You can expect this:

  • A pension account and investment account
  • Sustainable and invested at cost price
  • You always have insight through the online portal
  • Your employer pays membership and registration fees

Read all product specifications and conditions again? Look below

What do we need from you?

Before we can welcome you as a member, we need a few things from you. We are obliged as a financial institution to ask this:

  • Your personal and contact details
  • Your citizen service number and a copy of ID certificate
Open your account now

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 investment costs.

You should know this

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.

Your pension account is and will remain yours

If you stop working or changing jobs, your pension account will simply move with you. This account is on your name and is and will remain yours.

Pension elsewhere? Then take a insert break

Has your new employer arranged something else or can you no longer put in for another reason? Then you can take an insert break if your assets are below € 50,000.



Membership

The membership and the registration costs are paid by your employer. We invest your assets at cost price.

If you stop working or changing jobs, your pension account will simply move with you. At that moment you can choose what you want to do with membership (putting it on a break or continuing and paying yourself).

The price tags of investing at cost price

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