ACCESS NL > Dual careers in the Netherlands > Working in the Netherlands > Dutch pension system > I am an international employer. How can I arrange a pension plan for employees who often move from one country to another?
Dutch pension system
My payroll agency does not arrange pensions for its employees. As I am not a Dutch citizen, I am having a serious issue with a pension arrangement. Can you advise me on this matter? What should I do to set up a scheme?
What is the pension age in the Netherlands and who is entitled?
How can I take my pension to another country when I leave the Netherlands?
Will I be entitled to Dutch state pension (AOW) when I retire?
My employer doesn’t offer any pensions. How can I arrange a pension myself?
I am an international employer. How can I arrange a pension plan for employees who often move from one country to another?
Almost all pensions are based on the system in a particular country. This is also true for the Netherlands. There are several ways to arrange a pension yourself, e.g. if you are self employed but when you leave the Netherlands it is not sure if you can continue with it. For example, a lifetime annuity (lijfrente) is generally considered as an option but getting it paid outside the Netherlands is very difficult due to regulations.
For international employers there are options to arrange an international pension plan. Companies offering this are usually international banks and insurance agencies. Examples are Swiss Life https://www.swisslife-global.com/corporate/solutions/expats.html, TMF Group https://www.tmf-group.com/en/services/family-wealth/executive-pensions-and-compensation/and Mercer https://www.mercer.com/what-we-do/wealth-and-investments/defined-benefit-pension-plans.html. These pensions can be called international pensions, mobile pensions or offshore pensions.