Early or deferred retirement
In consultation with your employer, you can decide to retire before you reach the age of 67.
This will mean that your retirement pension is lower. Early retirement thus has financial consequences. Your pension accrual will cease and your retirement pension will be reduced. You should also note that your AOW will come into payment after your pension if you take this earlier. Go to www.svb.nl to see when your AOW pension becomes payable.
If you wish to take early retirement, you must apply for this to the pension fund six months prior to your intended pension start date. You should also discuss this well beforehand with your employer.
Note: Will you take early (part-time) pension more than 5 years before your state pension date? Then it is possible that your state pension age will continue to shift during your early (part-time) pension. More information about your state pension age can be found on www.svb.nl.