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Contribution break

Sometimes retirement takes a back seat for a while. No problem. During a contribution break, you don’t pay a membership fee; instead, you pay a management fee, while your accumulated savings remain invested.

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No longer want to use your account?
Ask for a contribution break

There may be situations in which you, as a participant, would like to (temporarily) stop contributing. For example, if you switch to an employer with a collective pension plan, when you stop operating as a freelancer, or simply if it doesn’t suit you financially right now. In these kinds of situations, you can take a contribution break.

Here's what you need to know

  • During the contribution break:

    • you pay a management fee of € 20 per account, per year;
    • your accrued capital remains invested for you at cost price;
    • the automatic 15-year risk deduction (lifecycle) towards your retirement date continues as usual;
    • you can keep your box 3 investment account (you will pay € 20 per year for this account);
    • you (temporarily) can’t make deposits or contributions;
    • you can still transfer money from your box 3 account to your pension account or counter-account;
    • you can’t request an incoming value transfer;
    • you can’t change your investment mix or counter-account;
      adjusted rules regarding social assistance protection apply.

  • Conditions for a contribution break

    • Your total accrued capital is less than € 50,000. 
    • You have paid the membership fee for at least one year, or your employer has done so for you for at least one year. 
    • You may not take a contribution break more than once every three years, unless there are urgent reasons. In that case, please contact us so we can look for a solution together.

    Note: If your capital rises above € 50,000 again due to investment returns, the annual membership fee will be charged again.

    Read all the terms and conditions in article 10, page 4 of our general terms and conditions. 

How do you take a contribution break?

Please fill in this form to inform us you want a contribution break. You must request this before January 1st of the new calendar year.
From the following calendar year, you will pay a small management fee (until you end the contribution break). This will be automatically settled with your invested capital in February.

Have you just left your employer? Then you do not have to pay a management fee for the first calendar year of your resignation, because your employer has already paid for that year.

Want to start contributing again?
When you want to start contributing again, please let us know via this form. You’ll receive a confirmation with the date on which your account will be active again. From that moment on, you can make contributions and you will pay the membership fees again.

Questions? Send us an email or call us at 020 – 70 70 540.