Take control of your personal pension!

We realise it can take time to understand a Dutch website, especially if it is different from your (first) language. We have not translated our website into English (yet), but there is an easy way to do this yourself, if you want to, with Google Translate.

1. Go to the website of Google Translate. 
2. Type our website (www.brightpensioen.nl) in the left box.
3. Choose the language you want to translate to, in the right box.
4. Click on the link that is created in the right box, to go to the translated website.

It can take a few seconds for the page to load fully. Of course, the translation will not be flawless, but it can be very helpful.

Also, please know our customer service colleagues speak multiple languages (call: 020 – 70 70 540 or e-mail: info@brightpensioen.nl) and they’re available to help you with any questions you might still have.

Does your employer facilitate your pension at BrightPensioen? Please know there’s this English page and a webinar available for you.

If you’re moving abroad, you must notify us of any changes to your tax residence. Otherwise it may be that double taxation is levied (in the Netherlands and in the country to which you move), which you then have to (try to) reclaim. So inform all financial institutions where you purchase services in time.

From a fiscal point of view, the following happens with regards to your box 1 annuity account:

• The tax authorities impose a so-called “Conserverende aanslag” on the amount of the reversionary interest due. You don’t have to pay this assessment as long as you still adhere to the conditions set for the annuity as imposed by Dutch law. This assessment will expire after you have lived abroad for 10 years (and therefore have not been a tax resident of the Netherlands during all that time). Please note: you must submit a written request for remission of your Conserverende aanslag. It’s smart to do this before you possibly use your accrued annuity capital.
• If you reach your desired retirement age in those 10 years and you want to start your benefit, you must purchase an annuity benefit that meets the conditions in Dutch law.
• If you reach the state pension age plus 5 years in that period, you must purchase an annuity payment that meets the conditions in Dutch legislation.

What happens after the protective assessment has expired?

From that moment on, you no longer have to adhere to the payment rules that are set for annuities. If desired, you can have current benefits paid out in one go or adjust the term to a shorter period if desired (longer is of course also possible, but this was already one of your options when the restrictions on annuity payments still applied). You can also use it, for example, for an “interim pension / sabbatical”.