Partner Pension upon Early Retirement in Utrecht

In Utrecht, partner pension rights decrease significantly upon early retirement, with lasting fiscal impact under Dutch legislation. Standard accrual is 60-70% partner pension; early retirement reduces this by approximately 5% per year ahead of your AOW age. Fiscally, payouts fall into box 1 for the survivor, with possible inheritance tax. Local tip for Utrecht residents: supplement via a survivors' pension insurance with Utrecht advisors such as Achmea or NN in the city center, or save tax-efficiently in box 3. From 2025, everything changes with the Future Pensions Act, which recommends additional advice at Utrecht pension counters. Example: with 3 years of early retirement in Utrecht, your partner loses €300 net per month for life, taking into account local cost of living. Check your policy via the Utrecht pension fund or online tools of the Tax Authorities. Choose risk coverage with flexible pension, ideal for self-employed in the Utrecht manufacturing industry.