When you stop working in the Netherlands, you retire. While you were working, you built up a pension based on contributions paid by you and your employer. You will therefore have an income when you stop working.
AOW stands for ‘Algemene Ouderdomswet’ (‘General Old Age Pensions Act’). This is the basic Dutch state pension that everyone who works in the Netherlands gets. You will receive this once a month, starting from around the age of 66 or 67. The amount depends on your age and your living situation. For more information about the state pension, visit the SVB website.
In the Netherlands, you also build up a pension if you work for an employer. You save money for your future retirement. This happens automatically if your boss has a pension scheme. In that case, your boss pays a fixed contribution each month for your future pension. You can ask your boss how much this is.
If you work at a company in the Netherlands that does not have a pension scheme, it is a good idea to set aside money yourself for your retirement. You can take out pension insurance, invest or save up for when you stop working.
You will get a pension when you stop working, which is usually around the age of 66 or 67. Everyone gets AOW, which is the basic state pension. You get more pension if your work has a pension scheme. If it does not, it is a good idea to save for the future yourself. If you are not sure, ask your boss.
Yes. In some cases you can retire before you start to get your AOW. However, this usually means you get less pension because you have worked and saved for a shorter period. You start to get AOW around the age of 66 or 67. If you want to stop working before then, you must save up enough money yourself so you can afford to do that.
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