Is your pension a piece of wet soap to you?
For many people, retirement is like picking up a piece of soap in the shower: hard to get!It starts with the confusion between the state pension date (AOW-datum) and the retirement date. Although the two dates ideally are the same at the end of someone's working life,...
You will not die, until you do
It is not a pleasant subject, but also a bit of elephant in the room because we all will face it. And (luckily for whom it happens!) usually unexpected. But at such a moment the surviving relatives are confronted with the harsh recognition of your financial past....
Why?
Someone asking this question has certainly taken the effort to listen to you. I often ask older young people or younger old people whether there is enough income to do the things they want. Of course I ask that question if I have doubts about it. In case I get the...
What does the “pension accord” mean to you?
If there is a top 5 with "abstract financial concepts", I expect that for most Dutch people the pension will be in the top 2. Actually, that is no surprise, although it is by far the biggest frustration of us financial planners. The Dutch pension system has been...
Prepared for 50% less income after retirement, divorce or death of partner?
The Dutch band De Dijk released the song "When she's not here" 25 years ago. The song added something fundamental to the concept of "relationship"for me, namely loss. Loss has many forms, I learned later. I would like to discuss financial loss. Sometimes you can see...
Why would you lose your head because of “execution-only”?
Until 2013, the client's advisor was paid by the mortgage provider from the interest paid by the client. Since then, the client pays a fee for the advice to the consultant. The purpose of this is to increase transparency about the costs of advice and about the costs...
Am I going to keep my head above water from the retirement date?
The “Geldzaken in de praktijk” (Money Matters in Practice) study by NIBUD shows that about 23 percent of Dutch 55-65 year-olds do not know whether they can financially survive after retirement.I understand this in part.Lifetime employment is over. Many older employees...
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