Start with existing arrangements
Ask about the provider, contribution base, employer and employee shares, and death or disability cover. A contribution percentage says little without the salary and offset to which it applies. Compare costs, risks and conditions too.
A compulsory sector fund or collective agreement may leave limited individual room. Extra contributions, a different split or a supplement must fit the scheme, tax limits and equal-treatment rules. An employee cannot simply choose their own pension provider.
Salary and personal supplements
An employer contribution to a personal annuity is not automatically tax-free. Payroll treatment and possible employee deductibility are separate questions. Annuity deduction depends partly on product conditions and available tax allowance.
Higher salary, additional pension and a one-off payment affect present income, future income and tax differently. A general example cannot establish a fixed future gain.
Record the outcome
An oral agreement is not necessarily worthless, but proof and legal validity can be difficult. Ask for clear written terms and check implementation on payslips and pension statements.
A change may involve both collective consultation and individual rights. Works council consent does not automatically bind each employee. When changing jobs, also ask about Wtp compensation. Have a specific employment-law or tax proposal assessed externally where needed.
What does BPH do?
Bureau Pensioen Hulp has no AFM licence. BPH provides general education and, on request, can introduce you to an external adviser using contact details only. BPH does not provide personal product recommendations, compare products for you or mediate in arranging them. Check an external adviser’s authorisation, services and fees yourself.
Frequently asked questions
Can I always choose my own provider?
No. Compulsory participation, a collective agreement and scheme rules may restrict this.
Is an employer annuity contribution automatically tax-free?
No. Payroll tax and your possible personal deduction require separate assessment.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.