As a self-employed professional or entrepreneur, you don’t build up a pension with an employer like employees often do. This means you’re more likely to have a pension gap. Want to know how it works and what you can do about it? You’re in the right place! This page is an English translation of the original Dutch version.*
"}},{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"Do you have a pension gap?
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/a8becf32-5cde-492a-ad80-05d6a2182220/Functionalities-Questionmark_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/10b8430218edad32/original/Functionalities-Questionmark_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"A pension gap occurs when your expected pension income is lower than the maximum you’re allowed to build up for tax purposes. For entrepreneurs and self-employed professionals, this is a common risk because you don’t automatically build up a pension like employees usually do through their employer.
In practice, we talk about a pension gap when your pension income is lower than 70% of your last earned salary. For entrepreneurs, this is harder to calculate, but you can estimate it by looking at your average business profit over the past few years.
Check with the pension scan whether you have a pension gap. Log in with your personal account.
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"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Saving or investing","intro":"You can save for your pension—but have you considered investing?","image":{"transformBaseUrl":"https://assets.ing.com/transform/f37052b5-b322-4913-ba42-cfcf8e17c0e7/hands-mobile-phones-coins-no-padding","type":"image","width":0,"original":"https://assets.ing.com/m/7669d7f54df56cbb/original/hands-mobile-phones-coins-no-padding.svg","extension":"svg"},"link":{"url":"/en/business/pension/saving-vs-investing"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Tax benefits and annual allowance","intro":"In addition to building something for later, you can benefit from tax advantages. Calculate your annual allowance easily and without obligation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/4c1d2744-1489-495a-a4d9-722ae44e9e46/blue-tax-envelope-euro-coins-no-padding","type":"image","width":0,"original":"https://assets.ing.com/m/48663d930fdb50b4/original/blue-tax-envelope-euro-coins-no-padding.svg","extension":"svg"},"link":{"url":"/en/business/pension/tax-benefit-annual-allowance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"State pension (AOW) & pension overview","intro":"As an entrepreneur, you’re responsible for your own pension. Here’s how to quickly get an overview of your pension and state pension (AOW).","image":{"transformBaseUrl":"https://assets.ing.com/transform/31406a1a-1b37-4da5-a35e-83145ff8eaf6/Form-pencil-checkmark","type":"image","width":480,"original":"https://assets.ing.com/m/7253a8ecd6ee7d47/original/Form-pencil-checkmark.png","extension":"png"},"link":{"url":"/en/business/pension/insight-aow-for-entrepreneurs"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Costs of pension investing","intro":"With Pension Investing, these consist of a service fee and fund costs.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c1750f60-cec4-42f6-aa68-bb20d34c6f28/Wallet-coins-debit-card-money","type":"image","width":160,"original":"https://assets.ing.com/m/63bb6da999d05e41/original/Wallet-coins-debit-card-money.svg","extension":"svg"},"link":{"url":"/en/personal/investing/investments-at-ing/costs-pension-investing"}}]},{"componentType":"cards"},{"componentType":"cta","textLink":{"url":"/en/business/investments/pension-investing","text":"Read more about pension investing for entrepreneurs"}},{"componentType":"sectionTitle","title":"Want to have an informal chat first?"},{"componentType":"paragraph","richBody":{"value":"As an entrepreneur, you decide how to build your pension. What are your options? And what suits you best? During a free 45-minute Insight Session, an ING financial coach will think along with you. This way, you gain control, confidence and a clear overview of your options for a healthy buffer for the future.
"},"textLinks":[{"url":"/zakelijk/financieel-gezond/plan-zakelijk-inzicht-gesprek","text":"Plan my Insight Session"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/8bf6f4df-09ab-4a06-bb04-bea527498888/Call-center-headset-woman-spot","original":"https://assets.ing.com/m/218fdc52b7523324/original/Call-center-headset-woman-spot.svg","extension":"svg"}},{"componentType":"cta","textLink":{"url":"/zakelijk/financieel-gezond/zakelijk-inzicht-gesprek","text":"Plan my Insight Session (also in English)"}},{"componentType":"paragraph","richBody":{"value":"
Unable to make a phone or video call? No problem, you can visit one of our offices or service points to schedule an appointment right away.
"}}]}}}