Are you a self-employed person in the cultural and creative sector? And have you already thought about your retirement years? The Oog voor Impuls program encourages self-employed people in the cultural and creative sector to save for their pension. Through the Nu voor Later subsidy, you can have part of the costs of your pension provision reimbursed.
Do you already have a pension provision for yourself?
There are many different ways to save for your pension. However, not all savings methods are eligible for a financial contribution from Nu voor Later. You can apply for Nu voor Later if:
1. You save for your pension in a tax-efficient manner
2. The amount you save is converted into a periodic payment from the moment you retire
This includes deposits into your annuity account, the premiums paid for your annuity insurance, or your voluntary additional deposits into your pension fund.
Are you unsure whether you are saving in a tax-efficient way, what kind of provision you have, and whether you are eligible for the subsidy? Then you can ask your pension provider. In the frequently asked questions, we provide more information about the types of provisions and about terms such as ‘tax-efficient’ and ‘annuity’.
Do you not yet have a pension provision?
There are many different ways to save for your pension. However, not all ways of saving will qualify you for a financial contribution from Nu voor Later. You can only apply for Nu voor Later if you have taken out a provision whereby:
1. You save for your pension in a tax-efficient manner
2. The amount you save is converted into a periodic payment from the moment you retire
So, make sure you take out annuity insurance with an insurer or open an annuity account with a financial institution. Or, as a self-employed person who also works for a salary, you can make voluntary extra contributions to your pension fund. Then you can submit an application for Nu voor Later.
In the frequently asked questions, we provide more information about the types of provisions and the terms such as ‘tax-efficient’ and ‘annuity’.
What do you get from Oog voor Impuls?
If we approve your application, we will reimburse 50% of your contributions to your pension provision, with a maximum of €450. After the application has been submitted and approved, you will receive an email that will include instructions on how to submit a declaration in order to receive your compensation.
Did you arrange a new pension provision for yourself on or after the 1st of April 2023? Then you are eligible for an incentive bonus of €200 as a contribution towards the closing costs. We will transfer this incentive bonus to your private bank account within three weeks after your application has been approved.
Please note: have you just started a new pension provision? Or do you want to start a new pension provision and then immediately apply for ‘Nu voor Later’? Then follow these steps: (1) start a pension provision, (2) apply for ‘Nu voor Later’ and (3) deposit an amount into your pension provision’s account after your application for ‘Nu voor Later’ is approved.
In order to process your application smoothly, we ask you to first read the rulebook carefully. Please make sure you have the following on hand: your private bank account number, digital copies of your pension provision, and your Chamber of Commerce (NL: Kamer van Koophandel) extract.
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