Clear picture
The home you own is not only a safe place to live, but also a financial buffer for your retirement. What are the implications of a change in your salary? Can you use your Dutch tax-exempt amount for supplemental private pension savings to purchase annuities, for example? Having a clear picture of your finances will enable you to make well-informed decisions, now and in the future. Do you have enough spendable income? Will you have enough ten years from now and when you retire?
Prepared for the future
Take ownership of your financial situation, make a plan and prepare for the future. The days that employees were pampered are over. Neither the government nor your employer will take care of you. You need to search actively for information that is relevant to you. Digitalisation will help you get there. User-friendly tools integrate multiple sources of income and expenses to produce a realistic indication of your financial situation. You can also call in the help of an external consultant, for example a financial advisor. The cost of consulting a financial advisor is a problem for almost 50% of the Dutch, according to a survey by Dutch National Institute for Family Finance Information (Nibud). They don't have a clear picture of what a financial advisor can do to help them. People working for a bank have a better understanding of a consultant's added value and are more inclined to hire one. Visit the Pension Planner of ING CDC Pensioenfonds to get an indication and to help you prepare for a meeting about your financial situation.
