Times change, and so does the way people navigate their career paths. Whereas it used to be normal to work for a single employer for your entire life, we now expect to have five different employers over the course of our lives. This and other factors affect your pension. We’ll explain this using illustrations.
"}},{"componentType":"sectionTitle","title":"The same employer, from start to finish"},{"componentType":"paragraph","richBody":{"value":"Below you can see the career of a man who has worked for a single employer his whole life. His pension has been accrued with a single pension fund. He has lived in the Netherlands his whole life, meaning he accrues a full state pension. He accrues as much as he wants and can. As a result, he has no pension gap.
"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/b4262d70-21bf-4416-a5eb-c8932a98f323/ING_geen-pensioengat","original":"https://assets.ing.com/m/483d5b459fb5a5fb/original/ING_geen-pensioengat.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"A varied career"},{"componentType":"paragraph","richBody":{"value":"In this example, you can see the career of a man who has worked for various employers. As a result, he has built up pension pots with different pension funds. Halfway through his career, he takes a sabbatical. During this time, he does not acquire pension through an employer. This creates a gap, as he could and would have liked to have acquired more.
Changing employers or taking a sabbatical are just some of the reasons why a pension gap can arise. Other factors that can lead to a gap include:
Do you expect to have a pension gap and want to do something about it? Our advisors are here to help. In an online chat lasting 15–30 minutes, you can discuss your options. It’s free and there’s no obligation.
*This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
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