Plan your pension

Have you ever seriously looked into your pension? Seriously enough to encourage your colleagues to do the same? Regardless of whether you’ve always been with the same employer or made several career switches.

People tend to look into their pension when they're organising their finances. When money is suddenly an important topic – like when they get married, divorced or have children..... Or perhaps you were recently considering a mortgage renewal, before interest rates started shooting up. The mortgage adviser will have asked you about your income and your pension, so you were suddenly aware of how much pension you’d built up and would build up in future.

How much will you need?
Suddenly, you're confronted with your future financial situation – and whether you’ll run into a pension gap. As you get older, your children may have moved out, you also realise that you need less money. Your future pension benefits might well be enough – but then again, they might not. That could be the case if you used to work for smaller companies that didn’t offer good pension plans, or none at all. It's good to be prepared in advance so you can still take action if necessary. Think about what you’d want your partner to have if you were to pass away. And would you like to keep living in your current house, or move to a smaller place? Do you dream of going on the same types of holidays you're taking now, or would you prefer something completely different? In any case, the Planner will show you what you can expect.

Why you should plan your pension
If you hear that some people your age don't know whether or not they'll be able to stop working or stay in their house, it's nice to know you've got things well planned. And if you have any children who own their own business, point this out to them as well. Working as a self-employed professional is more common nowadays, and it's good for the younger generation to be aware that they can make their own pension choices. Make sure you study your pension well ahead of time, to avoid unpleasant surprises later in life. Use your DigiD to login to the government's website Mijnpensioenoverzicht.nl for an overview of pension rights you’ve built up through ING and any previous employers’ pension plans. And if you have any questions, you can get in touch with the Pension Desk every weekday.