How to prepare the self-employed in the Netherlands prepare for their retirement? They often have no, or relatively small, mandatory occupational pension. The key question is therefore: impose self-employed on a voluntary basis money aside and this is sufficient to fulfill their expectations about retirement?
Various data sources are considered together in order to unravel the puzzle of self-employed retirement. When all the pieces are put together, the impression that the future (pension) assets of self probably does not correspond to their current expectations of the future.
Self-employed and employees have similar expectations regarding retirement and replacement rates (the ratio between the pension and the last salary). For employees with a full career can meet these expectations, provided that their pension fund is in good shape, but it is highly questionable whether this also applies to self-employed. The motivation to save is high in both groups. Maybe even higher among independents. But they also have built little company pension and should build more private capital to get the same pension.
Although self-employed it is important to save for their retirement and this his plan, this is for them still appears to be difficult to achieve. The same problem applies to many employees but self-employed people are in a worse position. They often built too few rights in the second and third pillar pensions. Also, make them face higher mortgage costs after retirement, due to higher outstanding debt and the loss of mortgage interest. In addition, self-employed in many cases substantially more private capital than workers with comparable income. Also an investigation into their more unconventional retirement savings does not suggest that self-employed themselves in another significant way to prepare for retirement.
Lees het volledige rapport op netspar.nl en bekijk het video interview with Mauro Mastrogiacomo (VU)