One of the responsibilities as a freelancer is that you build up your own pension. For someone who is employed, 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 allowance, holiday pay and therefore also pension.
1. Save.
The first option, as discussed above, is saving. Putting away a percentage every month in a savings account is the easiest way to create a clear savings account. An employer withholds an average of 20% for your pension. As a freelancer you could also put down 20% yourself, but ultimately that is entirely up to you.
2. Joining a self-employed scheme.
Various freelance organizations have set up 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 time, for example when you retire. You pay a premium to your insurer periodically or one-off. This option ensures tax-efficient savings and not having to pay wealth tax. You will also receive benefits until you die (with the insured variant).
Would you like to know more about pension accrual? Then go to the Chamber of Commerce website or the National Government website.
In addition to building up your own pension, you are also responsible for building up your own holiday pay. Want to know more about this? Then click here .