Purchasing AOW-gap in Tilburg: supplementing your pension
In Tilburg and surrounding areas, you experience the **AOW-gap** as the difference between your ideal pension income and the standard **AOW benefit**. Many residents of Tilburg do not build up sufficient supplementary pension, making the AOW alone insufficient. Fortunately, you can purchase this gap locally for a more stable retirement. This article discusses the options, with attention to Tilburg institutions such as the District Court Zeeland-West-Brabant, Wilhelminapark 100 and the Juridisch Loket Tilburg, Spoorlaan 364.
What does an AOW-gap mean for Tilburg residents?
The **AOW-gap** affects many Tilburg residents: your AOW from the **AOW age** (currently 67 years and 3 months in 2024, rising to 68 years) often does not cover the desired standard of living. The gross maximum AOW amounts to approximately €1,630 per month (2024, full-time). For a comfortable income of 70% of your last salary, you must supplement this gap through purchases.
Local Tilburg workers, such as at textile companies or the university, often benefit from smart pension accumulation to bridge this gap.
Legal basis in Tilburg
Purchasing AOW falls under the **Financial Supervision Act (Wft)**, **Pension Act** and **Income Tax Act 2001**. In Tilburg, you can seek advice from the District Court Zeeland-West-Brabant, Wilhelminapark 100 for legal disputes, or free assistance via the Juridisch Loket Tilburg, Spoorlaan 364. Employer pensions or individual policies are permitted, provided they comply with AFM rules.
How do you purchase your AOW-gap in Tilburg?
Tilburg offers various routes:
- Employer in Tilburg: Contribute extra premium for pension accumulation via collective schemes at local employers.
- Independently via local providers: Conclude an **IPP** with insurers such as NN or Aegon; Tilburg advisors assist with custom solutions.
- Savings and investment options: Banks in Tilburg offer **life-cycle products** or **annuities** specifically for AOW supplementation.
- Private assets: Convert savings into a **lifetime pension** via funds, with tax benefits.
For Tilburg self-employed (zzp'ers)
Self-employed in the 013 region benefit from:
- 30% ruling: Tax benefit for pension accumulation, ideal for Tilburg freelancers.
- **IPP or annuity**: Deductible and can be concluded locally.
- Insurances: Long-term policies with savings element for AOW-gap coverage.
Tilburg practical examples
Practice from the region:
Example 1: Locally via employer
Situation: Marie (56, Tilburg) earns €4,200 gross and builds up €1,300 employer pension. Her AOW: €1,600. Gap: €1,300. Via premium contribution, this grows to €2,900 monthly.
Example 2: ZZP in Tilburg
Situation: Karel (52) uses 30% ruling and IPP: €500/month premium yields €800 extra AOW supplementation from age 67.
Next steps in Tilburg
Visit the Juridisch Loket Tilburg, Spoorlaan 364 for free advice or the District Court Zeeland-West-Brabant, Wilhelminapark 100 in case of disputes. Local advisors such as at Rabobank Tilburg help with calculations.
Note: always consult an expert for personal advice.