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Home » Reader question » Reader question: Do I have to pay tax on my supplementary pension in the Netherlands?
Reader question: Do I have to pay tax on my supplementary pension in the Netherlands?
Dear readers,
I have a question about supplementary pension. I took out a supplementary pension with an annuity capital that became available. I always deducted the premium that I paid each year from my income tax.
Next year I want to emigrate to Thailand and have it deregistered from the Netherlands. I then pay my tax in Thailand, but I now read that I still have to pay tax on my supplementary pension in the Netherlands because I have always deducted the contribution from my income tax.
Is this story correct?
Regards,
According to
If you do not deregister from NL and apply for an exemption from the tax in Heerlen, yes, you must continue to pay
This kind of thing has been covered many times on this blog.. just check the reader questions on this topic
Groet
Piet
Read the NL Thailand tax treaty and/or send a letter to the tax authorities
It remains to be seen whether you will pay tax in Thailand. Tried twice to get a tax number, each time rejected. So pay tax in the Netherlands.
I have a tax number in Thailand, but continue to pay tax to the Netherlands while I have also been deregistered.
I have deregistered from the Netherlands and I have 2 early retirement benefits. I received a tax number after 1 year (last April 2016) and paid a settlement amount in Thailand because my pension is paid in NL. This settlement amount was very low…
Because they are not government pensions, I applied for an exemption through Heerlen and eventually I received an exemption for a provisional 5 years through my old place of residence tax office. After 5 years I have to apply again. I had to send the 2 received letters for the adjustments to my pension funds. I now receive my gross pensions paid net (so I pay no tax and no premiums).
Hello Timker,
Nice how you arranged this, a few questions:
Have you previously moved to Thailand to receive your 2 pensions.
Were you previously able to deduct your premium from your taxable income when you were still living and working in the Netherlands?
If you have deducted it first, it cannot be otherwise than when you receive it / have it paid out, then you have to settle with the tax authorities or in Thailand.
It can never be the case that you first benefit from it and later happiness and do not have to check.
The authorities are not asleep.
If you did succeed, then you are lucky or you have apparently taken the only right path, in that case ; CONGRATULATIONS.
Hope you don't get a refund later.
Regards,
boom
My pension has been deducted from my gross salary in the Netherlands and, as I have already mentioned, tax is paid on it in Thailand. However, Government Taxes in Thailand did not want to investigate my Thai bank account to see which pension deposits came from my assets. Hence the settlement amount on my Thai tax return.
Hello Theo,
I know from experience, if you want to emigrate to Thailand and you have had your own business in the past and then you wanted to deduct it from the tax, then if you want to have it paid out, then of course you have to pay tax on it first. you cannot avoid paying and that is also very understandable..
I want to explain the order of action to you and there is only one way and that is this, if you don't do that then you will get into a lot of problems, both with the tax and: with a life insurance policy, where you have that running.
Pay attention:
First of all, before you move to Thailand, you must find a company/bank that has a treaty with Thailand in the event that if you want to have your pension paid out at your retirement age, you will first have the amount converted via an annuity policy and you can choose in one go (but then you pay too much tax on it) or in periodic installments (in which case you only pay tax on that part).
There are only two agencies that do this and they are: Nationale Nederlanden and Delta Lloyd, or you can do it through 123levensverzekering.nl as an intermediary for a one-off amount of 129 euros.
Again, you must arrange this before you deregister from the Netherlands, if you do not do this, you will not succeed and you would have to return to the Netherlands temporarily and register again for 3 months to arrange this.
Another conditions to be able to emigrate in Thailand, there are 3 essential conditions.
1) your monthly gross income must be 65000.- Bath
2) Or have 4400.000,- Bath permanently on a Thai Bank, if you are married to a Thai Or:
Or: 800000 Bath if you are not married.
But beware: if you receive your AOW, which in itself is not a problem if you live in Thailand, you must therefore take into account that you must have a GROSS amount of 65000 Bath per month, otherwise so that doesn't work either.
So Gross AOW and Gross Pension/Old Age scheme together.
Dear Theo, I hope I was able to explain it clearly enough and if there are any other questions, I will be happy to explain, further good luck,
Regards boeng
Dear Boeng,
Thanks for your explanation. With the released amount I took out a supplementary pension with Delta Lloyd and had it paid out periodically for 20 years. The question I still have is will my supplementary gross pension be paid out net in Thailand, or will I first pay tax in the Netherlands and then pay out net. I will soon have to pay tax in Thailand on this net amount. I understand that if you always deduct the premium for the annuity from your income tax, your supplementary pension from the released annuity will always be taxed in the Netherlands, even if you are a taxpayer in Thailand.
Regards Theo
Sorry at point 2) of course this should be 400.000 Bath and not what I wrote down there,
Theo and other readers,
Succes
What you call a supplementary pension is an annuity. This is taxed in NL unless the policy was taken out BEFORE the Broad Revaluation. Consult the company where the policy was issued.
Hi Erik,
I responded to Theo's question and therefore gave the answer to it, then the carpenter wrote his point and I responded to it.
To which you also responded.
I know that mine is a Mix Fund and was taken out on April 1, 2000 and is premium-free and upon termination an annuity must be taken out for it that I will have paid out on December 1, 2017 in monthly amounts over 10 years and will be paid out by the acquired Delta Lloyd via a bank account into which the money is paid monthly and is immediately settled with the tax authorities.
Regards,
boom
Boeng, often we don't react to each other but together. Moderation doesn't post every 5 minutes so it may seem like we're talking to each other but usually we're not.
I responded to the questioner, not to you because your answer was not there yet. Moreover, I have left open the possibility that the questioner has an 'old' policy.