Retirement may still seem a long way off. Or it may be getting closer. When you stop working, you often have more time for travel, hobbies and other things that matter to you. Naturally, you want to have the financial freedom to enjoy them. Discover what matters to others and how they are preparing for later.
"}},{"componentType":"sectionTitle","title":"What is your situation?"},{"componentType":"paragraph","richBody":{"value":"Choose the situation that best matches yours
"}},{"cards":[{"body":"Salary: € 40.000\r\nDesired retirement income: € 3.750 p.m","cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/94f1618a-5ae9-4459-adb0-67631d809ce0/SMILING-YOUNG-WOMAN-USING-MOBILE-PHONE-IN-RESTAURANT.jpg","publishedAt":"2018-05-04T09:57:39Z","transformBaseUrl":"https://assets.ing.com/transform/94f1618a-5ae9-4459-adb0-67631d809ce0/SMILING-YOUNG-WOMAN-USING-MOBILE-PHONE-IN-RESTAURANT","type":"image","updatedAt":"2023-12-21T15:36:47Z","width":5700},"intro":"Full-time employee * Living with a partner","link":{"url":"/en/personal/investing/investments-at-ing/pension-situation-lisa"},"title":"Lisa | Age 32"},{"body":"Salary: € 80.000\r\nDesired retirement income: € 4.700 p.m","cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/139a6de5-97e9-4130-8a42-d20e963d76a7/Senior-Businessman-Working-in-a-Cafe.jpg","publishedAt":"2026-09-10T12:03:23Z","transformBaseUrl":"https://assets.ing.com/transform/139a6de5-97e9-4130-8a42-d20e963d76a7/Senior-Businessman-Working-in-a-Cafe","type":"image","updatedAt":"2026-09-10T12:04:09Z","width":4500},"intro":"Part-time employee * Married","link":{"url":"/en/personal/investing/investments-at-ing/pension-situation-ruud"},"title":"Ruud | Age 56"},{"body":"Salary: € 31.000\r\nDesired retirement income: € 4.000 p.m","cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/64b4268d-d673-4c8c-84e6-68d8df2cff7b/Student-sat-at-a-table-outside-laughing-as-he-chats-to-someone-on-his-phone.jpg","publishedAt":"2020-09-24T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/64b4268d-d673-4c8c-84e6-68d8df2cff7b/Student-sat-at-a-table-outside-laughing-as-he-chats-to-someone-on-his-phone","type":"image","updatedAt":"2024-05-29T07:27:35Z","width":5700},"intro":"Full-time employee * Single","link":{"url":"/en/personal/investing/investments-at-ing/pension-situation-morris"},"title":"Morris | Age 26"},{"body":"Salary: € 42.000\r\nDesired retirement income: € 3.000 p.m","cardSize":"medium","cardType":"product","componentType":"productCard","image":{"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},"intro":"Part-time employee * Divorced","link":{"url":"/en/personal/investing/investments-at-ing/pension-situation-naya"},"title":"Naya | Age 47"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Did you know?"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"How much pension you build up depends, among other things, on your salary, how many years you work and your pension scheme. It can therefore be useful to check what you are expected to receive and whether that fits your plans.
"},"textLinks":[{"text":"More about pension gaps","url":"/en/personal/investing/investments-at-ing/do-i-have-a-pension-gap"}]}],"title":{"value":"You can have a pension gap even if you are employed
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Do you have a fiscal annual allowance? Subject to conditions, you may deduct contributions to a pension account from your taxable income. You also do not pay wealth tax on the balance.
"},"textLinks":[{"text":"More about tax benefits","url":"/en/personal/investing/investments-at-ing/the-tax-benefits-of-pension-investing"}]}],"title":{"value":"Building up pension can provide tax benefits
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You can start building up money for later with a smaller amount too. The earlier you start, the more time your money has to potentially grow. You can always adjust your contribution if your situation changes.
You do not need a large amount to get started
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Would you like to build up money for later yourself?"},{"componentType":"paragraph","richBody":{"value":"With Pension Investing, you build up capital for your retirement yourself. You decide how much to contribute and how you want to invest. If you have a fiscal annual allowance, your contribution may provide tax benefits.
"}},{"componentType":"cta","textLink":{"text":"Discover Pension Investing","url":"/en/personal/investing/investments-at-ing/pension-investing"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You could lose all or part of your contribution.
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