"Zzp & # 39; er uses too little tax retreats" | Money

This is what the interest group ZZP Nederland reports, which, together with Platform Zelfstandige Ondernemers, led a large study of retirement needs of retirees. Indeed, when negotiating a pension agreement, there was talk of an obligation for freelancers to participate in pension funds.

Alternation

. not suitable for the self-employed, conclude the organizations. The self-employed want to save themselves and manage their own money. Since their income is often variable, they do not want to impose a certain amount per month. ZZPs also want to be flexible in the payment phase.

This does not mean that the freelance trainee does not wish to participate in collective programs: has lower costs and a return higher than to save you. They combine occupational disability insurance and pension.

Reserve

The self-employed do not always know that they can save tax savings for their old age through the taxable old-age reserve. Thus, they avoid an attack in box 3 and pay income tax only when the savings are paid: you thus benefit from a lower rate.