The Pension Gap for Freelancers
60% of freelancers save insufficiently for retirement. AOW state pension is €1,431/month (2025) — insufficient for comfortable living.
Solutions
Lijfrente: Tax-advantaged pension savings. Contributions deductible now, taxed at withdrawal during retirement.
Bank Savings: Simpler alternative with same tax advantage.
ETF Investing: Monthly investment in index funds. Historical return 7-10% per year.
Golden Rule
Save 15-20% of monthly income for retirement. Start early — every year of delay costs you more later.