Partner Pension in Early Retirement in Amsterdam

In Amsterdam, partner pension rights decrease significantly with early retirement, with lasting fiscal impact for Amsterdam residents in the public sector. Standardly, ABP provides 60-70% of your accrual as partner pension; early retirement reduces this by approximately 5% per year earlier. Tax-wise, payouts fall into box 1 of the survivor, with inheritance tax above the exemption. Specifically for Amsterdam: many municipal staff and ZZP'ers in the canal belt choose early retirement, but forget the impact on partners. Tips: supplement via a survivors' pension insurance with local advisors such as in the Nine Streets or save tax-efficiently in box 3. From 2025, everything changes with the Future Pensions Act, including stricter rules for flexible pots. Example: with 3 years early retirement, your partner loses €300 net per month for life, crucial in the expensive Amsterdam housing market. Check your ABP policy via the app and use tools from the Pension Federation. Choose risk coverage with flexible pension for optimal protection.