LIFE IS A PARTY!
Celebrate life with us – and your future. Treat yourself to the 20% HelloFresh subsidy for your OP. Want to know how? We’ll tell you in a face-to-face chat!
With a company pension, you're not saving alone.
Alongside your own contribution, you benefit from employer
contributions and tax and social security savings.
Together building
a stronger future
for you
Employer
Support your retirement savings with employer contributions.
Government
Helps you through tax- and social securtiy incentives.
You
Build longterm financial security, one step a time.
Discover your personal PLUS.
The sooner you understand your options, the easier it is to choose the solution that’s right for you.
FOR THE FUTURE.
FOR REAL PEOPLE.
FOR YOU.
Read here what an OP can do for you – today, tomorrow and beyond.
Do you want to know exactly how an OP works, and what benefits it offers you? We’ll explain everything in detail here.
As a young person, you don't have the financial means to put aside a decent amount for a long time. Thanks to the employer’s subsidy and state funding a minimal contribution quickly turns into a considerable amount.
Over the course of your life, another advantage you really get to appreciate is that you don’t have to pay any taxes during the time you are saving. And you don’t have to pay social security on a portion of your contributions, since it is deducted directly from your gross salary.
– in choosing your contribution amount and payment method, and when moving or changing jobs. There are also special solutions for that.
Obviously, because of the gross/net effect, you pay the whole contribution – but you are still left with about half the net amount (depending on the tax band at the time).
Albert Einstein called it the most powerful force in the universe. What the smart man meant was that by (re)investing interest, you’ll get interest on that interest. The result: compound interest. This superpower helps you increase the savings you make over the years exponentially. Wowzers!
Since 2019, employers have been obliged to add at least 15% of your contribution. At HelloFresh, employees even receive a subsidy of 20%! Until your retirement your savings will grow steadily thanks to interest rates, surpluses from insurers and returns on the capital market. Even in times of low interest rates you can’t lose anything.
Retrospective taxation is seen as a supposed shortcoming of an occupational pension. It is only due once you put down your pen for the last time and retire. But since your income will be lower than when you were still working, the taxes will also be much lower.
Are you curious about
how to get always the most out
of your company pension plan?
Then keep reading!
Your company pension plan is like a reliable anchor that accompanies you through time. But it's anything but rigid. It adapts and evolves.
The secret? The sweetspot.
Every year, the government raises the contribution limit for tax-free savings. That means you can also gradually increase your contributions to the company pension plan and continue to save smartly on taxes. How? You'll find out here:
