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Work life and Retirement in the Netherlands. A. B. C. Ton Brouwers. Partner and senior consultant at BECAUSE (HRM company). Dutch pension system. Financials on national level. Developments Dutch labour market. Pensioner point of view. Dutch labour market.

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ton brouwers

Ton Brouwers

Partner and senior consultant at BECAUSE (HRM company)

Dutch pension system

Financials on national level

Developments Dutch labour market

Pensioner point of view

dutch labour market
Dutch labour market

2011 = 16,5 m> 2,4m 65> male 82 female 86

2040 = 17,5 m< 4,5m 65> male 85 female 88

2005: 0,5m< unemployed

2011: 0,4m< unemployed (0,125m jobs available)

1 worker -> 0,9 not working-> (1,2-1,4 in 2040)

Working population is reducing

We must do more and better with less resources

financials on national level

Financials on national level

Financial pressure on a decreasing group of those who are working

Because of the aging of our nation and the increasing quality of healthcare our healthcare expenses are getting unplayable

Financial influence of the other European countries

dutch pension system 3 layers

Dutch pension system (3 layers)

Private savings, properties etc.


Pension, (funded by employees and employer during their working period = saving)


Old age benefit (state)

Social security (€ 1034 - € 1421), starting at the age of 65

national policy

National policy

Raise the pension age

Be very smart

Mind-set of people

65->66->67 there is a consensus in the Dutch society

We must do more and better with less resources


Be sustainable

pensioner point of view

Pensioner point of view

Retirement is a process, not just a next step. After a long working period it is not healthy, social and sustainable to stop without a good preparation.

Training and consultancy

Continue in a more flexible way

Don’t retire

Pension survey of all the pension benefits collected during your working period

pensioner point of view1

Pensioner point of view

Training and consultancy

P.I.Z. training: Course of the 3 – 5 days in a conference centre

Training for the pensioner alone or together with its partner

Be prepared on the next period in your life

Know what you want to do in this next period and know what possibilities there are.

elect your own system

Elect your own system

Gaius Marius

Work until you die!


Otto von Bismarck

Work until (70-65=5  82) = 77


Work until you can and want

Willem Drees