The Dutch Retirement System

Here in The Netherlands, there are three pillars to our retirement system. The first pillar is the government’s social security payment.

The second pillar is the retirement that you save for with or through your employer. This can be a defined benefits pension or a defined contributions retirement account.

The third pillar is everything you arrange yourself. Sometimes this can be a pre-tax retirement account, but usually it’s also after-tax savings, investments, or real estate.

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