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That depends on your sector and profession. 

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Check whether your sector is included in the 
Ministry of Social Affairs and Employment’s...

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 (SZW’s) overview of mandatory pension funds.

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In some sectors, there is a pension fund that you must offer to your employees.

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Should you fail to do this, you then run the risk of still having to pay all unpaid pension contributions. 

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Certain professions also have a mandatory occupational pension scheme. 

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And a collective labour agreement may require you to arrange a pension for your employees.

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Is there no mandatory scheme for your staff? 

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Then you decide whether you offer them a pension scheme or not.

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You can, for example, start a company pension fund or take out pension insurance.

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Want to know more about personnel issues? 

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Read all about this topic and more on Business.gov.nl.