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?
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 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: € Indication monthly gross payout
What's the result of starting years later?
€ − % lessDisclaimer
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
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?
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. So you will save more for later.
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.