Guides tagged "retirement-planning"
Should You Keep Funding Your Jaarruimte If You Might Leave the Netherlands?
The lijfrente guide covers the mechanism. This is the question that comes before it: if you're not sure you'll still be here at AOW age, does locking money into a jaarruimte-funded pension right still make sense?
4 min read
Your Foreign 401(k), IRA, or UK Pension: What to Do With It in the Netherlands
You didn't cash out your old 401(k) or UK pension when you moved — now find out whether it's quietly sitting in your Box 3 wealth-tax base every year, or actually shielded by treaty.
5 min read
FI for Freelancers: The ZZP Path to Financial Independence
As a ZZP'er, no employer is building your pension for you — the entire retirement stash is on you. Here's how the self-employed deductions, the FOR's abolition, and income volatility change the FI plan.
6 min read
Lijfrente as a Box 3 Shelter for Expats
A lijfrente pulls money out of Box 1 now and out of Box 3's wealth tax while it sits — at the cost of locking it up until near AOW age. Here's the mechanism, the tradeoff, and who it actually suits.
5 min read
Box 3 Is Changing in 2028 — What It Does to Your FI Plan
The deemed-return system these calculators use is being replaced by an actual-return system in 2028. Here's what that means for an FI plan built on today's numbers, and how to use the transition window.
4 min read
Your Partial AOW Changes Your Safe Withdrawal Rate
State pension isn't a rounding error if you arrived as an adult — it changes both how much stash you need and when a pre-AOW bridge is required. Here's how to model both.
5 min read