Hendrik runs a successful consulting practice and earns approximately €80,000 per year. His income is strong and fairly stable. While his business finances are well organised, he has not yet fully mapped out his private retirement planning.
As a self-employed professional, he does not build up an employer-sponsored pension and wants a clear understanding of how much he needs to set aside to maintain his lifestyle later in life.
"}},{"componentType":"sectionTitle","title":"Hendrik gains insight into his retirement shortfall and tax-efficient savings opportunities"},{"componentType":"paragraph","richBody":{"value":"“I want to know exactly where I stand, how much tax-efficient retirement space I can use, and what my money could potentially grow into.”
Hendrik starts by reviewing his expected state pension, any pension he has built up previously and his personal assets. For example, he has around €60,000 in available savings and investments and would like to have approximately €3,500 net per month to spend from the age of 67.
A retirement calculation helps him determine how much additional capital he may need and how much annual contribution allowance and unused allowance from previous years may be available to him.
The calculation takes into account:
For Hendrik, making the most of available tax benefits is a key priority. He wants to understand which part of his contributions may qualify for tax relief within his annual contribution allowance and any unused allowance from previous years. He is also interested in the potential Box 3 tax benefit if retirement assets remain outside Box 3 under applicable tax rules.
For example, he can afford to contribute €1,250 per month or make an additional annual contribution of €15,000 until retirement. He is comfortable taking investment risk if it offers the prospect of higher long-term returns. At the same time, he understands that investments can fluctuate in value and wants to stay in control of both his risk profile and the growth of his retirement assets.
"}},{"componentType":"sectionTitle","title":"Why could pension investing be a good fit for Hendrik?"},{"componentType":"paragraph","richBody":{"value":"Calculate your annual contribution allowance, compare different contribution scenarios and discover which investment profile may suit you.
Please note: Investing involves risks. You may lose part or all of your invested capital.
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