After her divorce, she decides to review her financial situation. This includes taking a closer look at her pension. For the first time, she wonders whether her retirement income will be enough for her to live independently.
On Mijnpensioenoverzicht.nl, she sees her expected income:
approximately €1,600 per month in Dutch state pension (AOW)
approximately €500 per month in employer pension
Together, Naya therefore expects to receive approximately €2,100 gross per month when she retires.
This is disappointing. She discovers that the years she worked part-time, as well as a period when she worked fewer hours while her children were young, have affected her pension accrual.
"},"textLinks":[{"text":"See where you stand","url":"https://www.mijnpensioenoverzicht.nl/nl"}]},{"componentType":"sectionTitle","title":"Naya explores what she needs"},{"componentType":"paragraph","richBody":{"value":"Naya compares her expected retirement income with what she would like later. She realises that her expected pension will probably not be enough to maintain the lifestyle she has in mind.
She wants to continue living independently, doing enjoyable things and having sufficient financial room for unexpected expenses. She therefore decides to explore ways to supplement her pension.
Because she still has plenty of time until retirement, every additional euro she sets aside now could potentially contribute to a higher retirement income later. This leads her to Pension Investing.
"}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Suppose Naya:
contributes €150 per month;
does this for 20 years;
invests with an aggressive risk profile.
She will contribute a total of €36,000 to her pension account.
Dan legt zij in totaal € 36.000 in op haar pensioenrekening.
In an average investment scenario, her pension capital could grow to approximately €59,000 after 20 years.
If Naya then uses this capital for periodic payments over 10 years, this would amount to approximately €490 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. She also still has 20 years to adjust her contribution if her financial situation changes.
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?
Naya contributes €1,800 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 €42,000 falls within a 36.97% tax bracket, she receives approximately €665 back from the Dutch Tax Administration each year.
Over 20 years, Naya contributes a total of €36,000 to her pension account and receives approximately €13,300 in tax benefits.
Naya's net cost is therefore approximately €22,700, while in this example she builds up approximately €60,000 in additional pension capital.
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. The tax rate applicable to you at that time will depend on your personal circumstances.
"}}],"title":{"value":"What could Pension Investing provide for Naya?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Why does Pension Investing suit Naya?"},{"componentType":"paragraph","richBody":{"value":"With Pension Investing, Naya may be able to create more financial room for the choices she wants to make later.
"}},{"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.
"}},{"componentType":"cta","textLink":{"text":"Discover Pension Investing","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":"Goed om te weten"},{"componentType":"paragraph","richBody":{"value":"Beleggen brengt risico's en kosten met zich mee. Je kunt jouw inleg of een deel hiervan verliezen.
"}}]},"hasMacro":false,"id":"5050c9a7-8800-4ccc-960a-ea246e9e055e","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Start investing at ING","url":"/en/personal/investing/investments-at-ing"}},"componentType":"productHeader","coreHeader":{"body":"Naya (47) has worked part-time for many years so she could combine work with caring for her children. Pension was never something she thought about much. She always assumed it was properly arranged through her employer.","headerImage":{"extension":"png","original":"https://assets.ing.com/asset/e8770a24-014f-410f-8cc0-497fa5aa819c/Randstad-2.png","publishedAt":"2023-07-14T08:31:38Z","transformBaseUrl":"https://assets.ing.com/transform/e8770a24-014f-410f-8cc0-497fa5aa819c/Randstad-2","type":"image","updatedAt":"2023-12-21T16:13:25Z","width":796},"title":"Does my pension fit my plans for later?"}},"publishDate":"2026-10-01T14:25:01.746+02:00"}}