In the Netherlands, our pension is well-organised! Your future income consists of 3 components:
- The foundation is your state pension benefit.
You receive this monthly benefit from the government once you have reached the state pension age. The level of the benefit depends on the years that you lived and/or had a partner in the Netherlands.
In addition, you accrue pension via your employer Ahold Delhaize. Below, you can read about how this scheme currently works and what will change.
Perhaps you are also saving money for later yourself. You can supplement your pension with, for instance, savings, an annuity or by repaying the mortgage of your owner-occupied home, as a result of which you will need less money later.
The pension benefit is the key element in the current pension scheme. You accrue a portion of your ultimate pension annually. You do not do this on your entire salary. In 2023, you do not accrue pension on about € 17,750 (on a full-time basis and depending which of our brands you work for). This threshold amount (we call this the pension deductible) applies because from the state pension age, you receive a state pension benefit from the government.