For me it is clear what I want: early retirement, but for you I am not sure what your goal is? You currently have a relatively low wage, but this will grow, how do you see this developing in the future? How much money do you think you will earn 10 years from now? At what age do you want to retire? Do you want to buy a house? How much money do you think you will need in retirement on top of the AOW (expecting this still to exist in some shape or form). All of these questions were in the questionnaire of the pension consultant and I think they are good questions, on which you need the answer before you make any decisions on what type of pension you want to go for.
My goal? To not end up totally broke after retirement age :-P
But, seriously: so much is still up in the air for me, but I want to get my bases covered at least. I can already tell that AOW won't be enough, and that's currently all I'd have after turning 72.
Early retirement would be great, but I'm not sure it's feasible with our salaries.
I've just started working, I don't have a fixed contract, have no idea how my income will develop. I think it will grow eventually, but I just don't know by how much and in what rate. BF has a very "regulated" job, a very predictable income development. I do not, unfortunately. I'm not in a high income field, I do know that.
Regarding the house buying: yes I (in theory) want to buy a house, but I'm not sure when that will happen (can't currently buy the house we'd want on our modest salaries, but we can (and do) rent it.).
How much money I'd need is something that's hard to estimate (I've just turned 28, I don't know how my life is going to develop before or after 72). I do know AOW alone won't cover my current costs, certainly if health care cost come into the equation. I think it is safe to say I need at least another 800-1000 euros a month in old age.
I am a "twijfelkont" (I'm sure doubt ass is not the right translation, what is??); I'll be procrastinating forever because I don't know all the details, the subject's complicated etc etc.The thing is, if I wait untill I can answer all these questions for sure LIFE has already happened and I'll be rather late to the party. It seems wise to at least set up an arrangement for the absolute basic income I think I need now that I'm young (and have the advantage of time in the market on my side), and arrange the rest with private investment / paying off eventual mortgages etc.