Pension Schemes for Self-Employed Workers in Leiden

As a self-employed person without employees (zzp'er) in Leiden, you do not build up a pension through an employer. It is essential to secure your future income yourself. Discover the options you have.

Importance of Personal Pension Building

As a self-employed worker, you only receive state pension (AOW), which is often insufficient for a comfortable retirement. Therefore, saving or investing for your pension yourself is crucial.

Options for Pension Building

Method	Advantage	Disadvantage
Annuity insurance	Tax advantage, guaranteed income	Little flexibility
Bank savings for annuity	Tax benefits, determine your own investments	Investment risks
Investing on your own initiative	Chance of high returns	Risks, no tax advantage
Saving	Safe and accessible	No tax deduction, low interest
Home as investment	No rent costs at later age	Difficult to liquidate, value fluctuations

Tax Benefits: Annual Room and Reserve Room

You can invest a certain amount tax-free for your pension:

• Annual room: dependent on your income from the previous year
• Reserve room: unused annual room from previous years
• Calculate this easily using tools from the Tax Authorities

Participation in a Pension Fund

For some self-employed workers in Leiden, it is possible to voluntarily participate in a pension fund:

• This is possible if you previously worked as an employee in the same industry
• Or via a fund specifically for self-employed persons

Legal Support in Leiden

For questions about contracts or tax rules regarding pension building, you can go to the Juridisch Loket Leiden, located at Stationsweg 46. In addition, the District Court of The Hague, Leiden location, handles cases related to legal disputes over pension schemes.

Frequently Asked Questions