What you need to know at a glance: the rules of building up a pension with tax benefits, our terms and conditions, and the investment costs.
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 The funds in this account can be withdrawn freely every month.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.
Your pension account is and remains yours
If you stop working or change jobs, your pension account simply moves with you. This account is in your name and remains yours.
Retire elsewhere? Then take a contribution break
If your new employer has made different arrangements, or if you can no longer contribute for some other reason, you can take a contribution break if your assets are below €50,000.
Membership and registration fees are paid by your employer. We invest your assets at cost.
If you stop working or change jobs, your pension account simply moves with you. You can then decide what to do with your membership (pause it or continue and pay yourself).
Entry charge: 0.08% for each deposit
Ongoing fund charges Income: 0.05% in 2025
Ongoing fund charges Growth: 0.24% in 2025
Exit charge: 0.08% for each withdrawal
