What about my retirement pension?

You are responsible for this.

One of the responsibilities as a freelancer is to build up your own pension. For someone who works as an employee, a pension is automatically built up by his or her employer. The hourly wage of a freelancer is made up of several "blocks". These blocks are travel compansation, holiday pay and therefore also pension.

1. Saving. The first option is as discussed above, saving. Putting a percentage away each month in a savings account is the easiest way to make a savings account in a clear manner. An employer withholds an average of 20% for your pension. As a freelancer you could also put away 20% yourself, but that is ultimately entirely up to you.

2. Joining a self-employed fund. Several freelance organizations have established a joint pension fund for freelancers. You decide when and how much you pay.

3. An annuity insurance policy. With this insurance you are assured of extra income that you will receive at a certain moment, for example when you retire. You pay a regular or one-off premium to your insurer for this. This option ensures tax-efficient savings and not having to pay wealth tax. In addition, you will receive benefits until you die (with the insured variant).

Would you like to know more about pension accrual? Then go to the site of the Chamber of Commerce or the site of the central government.