Hallo allemaal,
Ik heb behoorlijk veel geleerd van oude posten over de reservingsruimte enz. maar ik begrijp het concreet uitvoeren nog steeds niet zo goed. Ik schrijf de rest van dit post even in het Engels, het is vast meer begrijpelijk zo. Alvast bedankt voor jullie reacties.
From 2019-2024 I have a 'Factor A' of 212, 258, 269, 281, 305 and 315. The jaarruimte (now reservingsruimte) that this gives is on average 4500 euro a year, so 27000 total.
My employer invests 180 euro in the pension each month and my automatic contribution is 90 euro per month. In addition to this amount I have begun to make extra payments into my employer-linked pension scheme.
Questions:
From my understanding, if I make extra payments into a separate pension then my family would benefit in case of my passing, so this would trump the employer-linked scheme?
Regardless of which pension 'pot' is used, I can go ahead and invest say 10000 euro this year and 10000 euro next year, and this will be rewarded by a tax rebate of 37% on the money invested (my salary is circa 50000 bruto).
In addition my income will be lower when the belastingdienst calculates the kinderopvangtoeslag subsidy.
Lastly, I presume that the belastingdienst know my reservingsruimte and will use it when they see I have invested the money in pensions. But how can I check this has actually happened? Is it clear from the tax return?