Click here to see your tax brackets if you reached state pension age prior to 1 January 2020.
The following table shows the differences between the tax rates in 2019 and 2020:
| On an income up to €20,711 | On an income above €20,711 and a maximum of €34,712* | On incomes above €34,712* and a maximum of €68,507 | On incomes above €68,507 | |
| 2019 | 18.75% | 20.20% | 38.10% | 51.75% |
| 2020 | 19.45% | 19.45% | 37.35% | 49.50% |
The first bracket tax rate is now slightly higher and therefore you might receive a lower net amount in 2020 than you received in 2019.
Click here to see your tax brackets if you reached or will reach state pension age in 2020.
The Compulsory Health Insurance (Zvw) statutory contribution has been lowered to 5.45%. The contribution in 2019 was 5.7%. The HPF deducts the income-dependent Zvw contribution from the gross pension payments. This means that in 2020 you will receive a slightly higher pension. However, it is also possible that on the basis of the aforementioned tax bracket changes you could receive a lower net pension. Note, that the maximum amount over which you pay the income-dependent Zvw contribution has been increased to € 57,232. In 2019 this was 55,927. In other words, the deduction also changes even if your gross pension doesn’t.
During the Three Days of Pension (November 7, 8 and 9, 2023) we explained the Heineken pension scheme in a few webinars. Here you can watch the webinar (English) and download the presentation with the main information Pensioendriedaagse 2023 – HPF webinar UK.
Answer: Many young people think this is true, but the good news is: you receive more pension than you put in! People who retire now will receive on average two to three times more pension than they paid together with their employer.
Answer: That is true. As with many other organisations, pension at Heineken is a working condition. This means that the collective labour agreement stipulates that you accrue pension at the Heineken Pension Fund.
