Be in charge of your personal pension!

Your employer helps you with your pension. But you are in charge of your own pension account. You decide what you contribute. And if you ever change jobs, you can continue to use your account if you wish.


What are the advantages

  • Your own individual pension account
    • Tax-friendly
    • You decide how much you contribute and how often
    • The accumulated money goes to your relatives in case you die
    • You become co-owner of Bright Pensions
    • Your money is invested at cost price
    • Socially responsible and sustainable investments
    • Additional investment account with no extra costs
    • Five-star rating MoneyView
  • Does your employer facilitate BrightPensioen?
    • Your employer takes care of the yearly costs of the membership fees
    • Your employer pays the registration fees
    • In case you switch jobs, your pension moves with you

This is how BrightPensioen works

Your employer has allowed you to open a pension account. Smart! Because that means you can save money for later in a tax-free, flexible, and sustainable way.

You have an individual account and you can contribute monthly. It is your account so you decide for yourself how much you want to contribute.

Your accumulated money can be converted into an annuity at retirement age. Possibly earlier, in case you move to another country.


Watch our English webinar for more details:

This is how we invest your money

All pension suppliers invest the money of the participants. And so do we. There is no other magic trick to grow your money. But it’s important to do it in a clever way. And to manage the risks appropriately.

How we manage the risks

We spread the investments over all regions globally, over all industries. The risk profile is neutral, with a maximum of 60% stocks and 40% (green)bonds. We rebalance every month basis and reduce the risk automatically when you approach your retirement age.

Investing at cost price

We don’t make money by taking a percentage of our customers’ investment. That is the traditional revenue model of all other suppliers. We earn our money from a fixed fee membership. And since your employer pays for that membership, your pension is invested at cost price. And that means more pension for you!

Sustainable and responsible investments

Our fund has ESG investments and impact investments, such as GreenBonds. ESG stands for Environment, Social, and Governance. This is good for the world and your investment results. Why would you invest money that is meant to secure your future, in things that jeopardize it?


How much pension do you need?

Your age
Start payment stage

Average monthly contribution

What do you expect to contribute on average per month?
Average monthly contribution

One time contribution

Please enter the amount of money you want to contribute (just) once. For example because you want to transfer an existing 'lijfrente' from another supplier
One time contribution

Chosen average annual returns

We use a lifecycle principle. This means that ten years before de date you choose, we will gradually decrease the risk from a neutral profile to a defensive profile. In the shown results this lifecycle is taken into account. The shorter the period, the lower the yield. If you alter this percentage manually, this lifecycle is not taken into account..
Chosen average annual returns (after costs)
What's the result of starting years later?
Want to see
how much money
you can get?
Change the sliders
Total period: jaar

Indication accumulated capital

This is the total amount of money. With this money you eventually have to buy an annuity, for a certain period. In The Netherlands this period has to be at least 5 years.
Indication total accumulated capital

Indication monthly gross payout

This is an indication of the monthly amounts that you are able to find in the market with the current interest rates for the period you choose. Purchasing power IN. So, what would this amount be in today's euro.
Indication monthly (gross) income
Purchasing power: €

Payout period

This tool gives you an indication of a payout period of 20, 25 or 30 years. Obviously it is also possible to choose other periods. The minimal period in The Netherlands is 5 years, once you have reached retirement age.
Payout period
In case your employer does not pay for your membership fees, with the date you entered, Bright Pensioen can be less interesting for you. Want to know what you can do about this? Contact us on: 020 – 70 70 540.
What's the result of starting years later?
€ − % less
    Sta BrightPensioen toe de uitkomsten van de pensioenindicator en andere handige tips en tools met je te delen. We beloven je niet te spammen en je kunt je via elke e-mail die je van ons ontvangt uitschrijven.
  • Voor meer informatie over hoe wij met jouw gegevens omgaan: zie onze privacyverklaring.


This tool gives you an indication of the capital you can accumulate and the corresponding monthly payout amounts. Calculated with the contribution, period and yield you can enter and alter yourself. The yearly membership fee is not taken into account in the contribution or in the results, since these are charges separately. And usually paid by your employer.
The shown amounts are merely an indication and this indication is not an advice in any form. The actual results are dependent of various factors and circumstances. The value of your investments can fluctuate. Past performance is no guide to future performance.
Here you find the calculations explained (Dutch).

Profit sharing
As a member and co-owner

Together we stand strong. That’s why we cooperate. And the more members we have, the lower our cost prices become. Once there is room for profit-sharing, our members benefit as well. Since they are all co-owners.

Together we’re transforming the financial industry. Making it more sustainable, more transparent, and more honest. Speaking of which: we are a proud member of Social Enterprise NL.


We are happy with our members!
And they're happy with Bright...

This is how it works

  • Step 1 - Open an account

    You can set it up in a few minutes. Open an account. Get an additional investment account, if you want. Your employer pays the bill. Nice!

  • Step 2 - Determine your contribution

    Our tools can help you with that. Or ask your tax advisor to help you with your “jaarruimte”. You can change your contribution every month, online.

  • Step 3 - Claim your money back

    Since you can deduct your contribution from your income tax, you can claim this back at the Dutch Tax Authorities. This will be pre-filled on your yearly tax return.


You're in good company

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Calculate your yearly allowance and reserve margin

Saving for retirement is tax-beneficial. Therefore there is a maximum on what you can contribute per year. Your yearly allowance (in Dutch: jaarruimte) is based on your income of last year. You can ask your financial or tax advisor to calculate this. Or do it yourself with this tool.

What was your income in 2019?

With an income below the thresshold of €12.472 there is no yearly allowance
Your max. contribution in 2020
Max. allowance 2020
Max. reserve margin 2020
Indication tax return
Max. allowance 2020
Max. reserve margin 2020

These amounts are indications. The actual results dependent of your income of the previous years and whether or not you had any pension provisions in these years. In the payout phase you will have to pay income tax. For the indicated tax return we have calculated with a percentage of 37,35% and for incomes of € 68.507 and more with a percentage van 49,50%. This can be different from person to person. E.g. due to 30% rulings.

You want to make the exact calculations? Download our calculation tool (Excel, Dutch).

What makes us unique?

  • Fixed-fee revenue model

    We don’t make money of your pension, but from a membership fee

  • We are a social enterprise

    Our goal is not to maximize our profit, but to maximize pension for our members.

  • We have a cooperative model

    Every Bright-member is also co-owner and will share in profits in the future.