There are three ways to accrue pension (i.e. your income for later on):

A. AOW: you receive this pension from the government.
You accrue AOW in 50 years. However, you only accrue AOW if you live and/or work in the Netherlands. The age at which you begin receiving AOW will depend on your date of birth, because the state pension age will increase in the coming years. The amount of pension is not the same for everybody, either. The AOW amounts are adjusted every year. For more information about AOW, please refer to {{ https://www.svb.nl | link }}.

Please note: If you have not lived or worked in the Netherlands the entire time, your AOW may be lower.

B. Pension via your employer
You can see how much pension you accrue through your employer’s scheme on your Uniform Pension Overview (UPO). We will send this to you every year. If you want an overview of the pensions you have accrued with other employers, please refer to {{ https://www.mijnpensioenoverzicht.nl | link }} (in Dutch).

C. Pension that you arrange yourself
There are various ways to supplement your pension. For example, through an annuity insurance or bank savings. Whether you consider this necessary depends on your financial and personal situation. A financial adviser can help you make choices. You can also check out the calculation tool from the Consumer Credit Counselling Service (NIBUD) on their website: {{ https://www.nibud.nl | link }} (in Dutch).