On Mijnpensioenoverzicht.nl, Lisa can see her expected Dutch state pension (AOW) and the pension she has built up through her current and previous employers.
In this example, Lisa expects to receive:
Together, this amounts to approximately €2,850 gross per month. This is less than the €3,750 gross per month Lisa would like to receive later.
"},"textLinks":[{"text":"See what you can expect","url":"https://www.mijnpensioenoverzicht.nl/en"}]},{"componentType":"sectionTitle","title":"Lisa decides to build up additional pension"},{"componentType":"paragraph","richBody":{"value":"Lisa wants to reduce the difference between her expected and desired retirement income. Because she still has more than 30 years until retirement and can afford to set the money aside until then, she explores Pension Investing.
With Pension Investing, she can build up capital for later. Does she have a fiscal annual allowance? If so, her contribution may provide tax benefits, subject to conditions.
"}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Suppose Lisa:
She will contribute a total of €42,000 to her pension account.
In an average investment scenario, her pension capital could grow to approximately €107,000 after 35 years.
If Lisa then uses this capital for periodic payments over 10 years, this would amount to approximately €890 gross per month. She would still pay income tax on these payments.
This additional income could help reduce the difference between her expected and desired retirement income.
Please note: the value of your investments may fluctuate. Past performance is no guarantee of future results. Investing involves risks and you could lose all or part of your contribution.
And the tax benefits?
Lisa contributes €1,200 to her pension account each year. If she has sufficient fiscal annual allowance, she may deduct this contribution on her tax return.
Because her income of €40,000 falls within a 37.48% tax bracket*, she receives approximately €450 back from the Dutch Tax Administration each year.
Over 33 years, Lisa contributes €39,600 to her pension and also receives approximately €14,850 in tax benefits.
Lisa's net cost is therefore approximately €24,750, while in this example she builds up pension capital of approximately €98,000.
Please note: the results above are not guaranteed. They are projections of what you may achieve with Pension Investing and are based on current tax rules, which may change. You pay income tax on payments from pension capital.
"}}],"title":{"value":"What could Pension Investing provide for Lisa?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Why does Pension Investing suit Lisa?"},{"componentType":"productFeatures","highlighted":false,"items":[{"body":"she wants to build up additional pension alongside her employer pension"},{"body":"she can afford to set the money aside for a longer period"},{"body":"she has a fiscal annual allowance and may therefore be able to benefit from tax benefits"},{"body":"she accepts the risks of investing, which means the value of her investments may go up or down"}]},{"componentType":"sectionTitle","title":"Would you like to build up additional pension?"},{"componentType":"paragraph","richBody":{"value":"Find out how ING Pension Investing works, what the benefits, costs and risks are, and whether it could suit you.
"},"textLinks":[{"text":"Ontdek Pensioenbeleggen","url":"/en/personal/investing/investments-at-ing/pension-investing"}]},{"componentType":"sectionTitle","title":"You may also be interested in"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/3da0809a-5aa5-4b19-866f-ad50ea78b2bb/686820643.jpg","publishedAt":"2016-08-16T19:52:47Z","transformBaseUrl":"https://assets.ing.com/transform/3da0809a-5aa5-4b19-866f-ad50ea78b2bb/686820643","type":"image","updatedAt":"2023-12-21T19:34:47Z","width":4032},"intro":"Find out how to check whether you have a pension gap","link":{"url":"/en/personal/investing/investments-at-ing/do-i-have-a-pension-gap"},"title":"Do I have a pension gap?"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/3d63c50f-0e68-4e27-8876-272bbce1c5da/young-man-using-mobile-phone-while-standing-in-office.jpg","publishedAt":"2023-04-25T09:58:40Z","transformBaseUrl":"https://assets.ing.com/transform/3d63c50f-0e68-4e27-8876-272bbce1c5da/young-man-using-mobile-phone-while-standing-in-office","type":"image","updatedAt":"2025-05-22T09:32:23Z","width":1700},"intro":"Schedule a personal conversation to discuss your pension questions","link":{"url":"/en/personal/financial-health/insight-conversation-theme-pension"},"title":"Pension Insight Conversation"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/e2cc4896-607f-4e91-86b7-bebe18ad5202/Adviseur-Vermogensbeheer.jpg","publishedAt":"2019-08-28T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/e2cc4896-607f-4e91-86b7-bebe18ad5202/Adviseur-Vermogensbeheer","type":"image","updatedAt":"2024-05-14T18:08:35Z","width":5700},"intro":"Explore the potential tax benefits of Pension Investing","link":{"url":"/en/personal/investing/investments-at-ing/the-tax-benefits-of-pension-investing"},"title":"Tax benefits"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You could lose all or part of your contribution.
"}}]},"hasMacro":false,"id":"570d7fef-66e6-4fa0-99ae-2d2387f4e553","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Start investing at ING","url":"/en/personal/investing/investments-at-ing"}},"componentType":"productHeader","coreHeader":{"body":"Lisa (32) has been employed for several years. Each month, she builds up pension through her employer. Yet she wonders whether it will be enough for later. After she retires, she wants to continue travelling and doing enjoyable things without having to make major changes to her spending habits.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/fabcc168-52e5-4aab-93b2-c7418cfc1061/Smiling-young-woman-using-mobile-phone-at-work.jpg","publishedAt":"2022-05-26T14:16:12Z","transformBaseUrl":"https://assets.ing.com/transform/fabcc168-52e5-4aab-93b2-c7418cfc1061/Smiling-young-woman-using-mobile-phone-at-work","type":"image","updatedAt":"2023-12-21T16:21:16Z","width":5700},"title":"Am I building up enough pension through my employer?"}},"publishDate":"2026-10-01T14:25:18.580+02:00"}}