Pensions

Our pension system

The Netherlands has a strong pension system with the state pension (“AOW”) as its foundation. In addition, about 90% of employees have supplementary pensions through their work, and there are also individual pension schemes. The system is highly regarded internationally, but is also under pressure. People are living longer and high volatility in capital markets leads to lower investment returns. 

The labour market is also changing dramatically and an adjustment of the system is therefore imminent. The public debate has been a long process, with different views, stakeholders and external influences.

Ons pensioenstelsel
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Patrick Heisen

Patrick Heisen

Partner, PwC Netherlands

Tel: +31 (0)63 048 37 84

Matthijs Kortenhorst

Matthijs Kortenhorst

Partner, PwC Netherlands

Tel: +31 (0)62 272 83 07

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