[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"globals:all::PV5SIH4Pb4":3,"navigations:all::PV5SIH4Pb4":127,"footer-form-newsletter":384,"page:articles::\u002Factueel\u002Fte-weinig-pensioen-voor-zorgeloze-oude-dag-zzper":394,"related-articles-7ef4ee46-c452-423e-86b0-3b96eb1f4034-tags=zelfstandig ondernemers":494,"collection-articles":587},{"texts_and_other":4,"company":49,"footer":66,"chatbot":80},{"error_image":5,"error_page":11,"error_title":46,"handle":47,"api_url":48},{"id":6,"permalink":7,"alt":8,"width":9,"height":10},"assets::404.jpg","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fassets\u002F404.jpg",null,1500,1000,{"content":12},[13,16,44],{"type":14,"text":15},"text","\u003Cp>Deze pagina kunnen wij niet voor je vinden, sorry! 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wij",[371,374,379],{"page":372,"depth":138,"children":373},{"title":131,"url":137},[],{"page":375,"depth":138,"children":378},{"title":376,"url":377},"Vacatures","\u002Fvacatures",[],{"page":380,"depth":138,"children":383},{"title":381,"url":382},"Oprichters","\u002Foprichters",[],{"data":385},{"handle":386,"title":387,"fields":388,"api_url":393},"newsletter","Inschrijven 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rechts",{"id":405,"permalink":406,"alt":407,"width":408,"height":409},"assets::pensioen_1-1768922367.jpg","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fassets\u002Fpensioen_1-1768922367.jpg","pensioen zzp",1350,920,[411],{"type":14,"text":412},"\u003Cp>Als zzp’er heb je recht op AOW als je de AOW-leeftijd bereikt, het is je eigen verantwoordelijkheid om je oudedagvoorziening aan te vullen met een pensioen. Het is belangrijk om nu al stil te staan bij je oude dag. Het effect van tien jaar eerder beginnen met het opbouwen van een pensioen is namelijk aanzienlijk.  \u003C\u002Fp>","m2374yip","text_image",{"columns":416,"blue_background":36,"title":419,"content":420,"content_2_kolommen":423,"show_block_options":8,"remove_whitespace_top":36,"remove_whitespace_bottom":36,"id":426,"type":427},{"value":417,"label":418,"key":417},"one","1","Op tijd pensioen opbouwen",[421],{"type":14,"text":422},"\u003Cp>Een rekenvoorbeeld: begin je op je 25ste met het opzijzetten van 150 euro per maand en beleg je daarmee met een neutraal profiel, dan is je verwachte eindkapitaal ruim 400.000 euro. \u003Cbr>Begin je tien jaar later (op je 35ste) met dezelfde inleg, dan is je verwachte eindkapitaal 180.000 euro. Dat is een enorm verschil en in ieder geval de moeite waard om even bij stil te staan. \u003C\u002Fp>",{"content_left":424,"content_right":425},[],[],"m23767pz","content",{"columns":429,"blue_background":36,"title":430,"content":431,"content_2_kolommen":434,"show_block_options":8,"remove_whitespace_top":36,"remove_whitespace_bottom":36,"id":437,"type":427},{"value":417,"label":418,"key":417},"‘Pensioenspijt’ bij ondernemers",[432],{"type":14,"text":433},"\u003Cp>Uit onderzoek van Knab blijkt dat 44 procent van de zzp’ers spijt heeft dat ze niet eerder zijn begonnen met pensioenopbouw. Deze ‘pensioenspijt’ speelt vooral bij ondernemers die pas na hun dertigste zijn begonnen pensioen op te bouwen.  \u003C\u002Fp>",{"content_left":435,"content_right":436},[],[],"m23792wx",{"columns":439,"blue_background":36,"title":440,"content":441,"content_2_kolommen":444,"show_block_options":8,"remove_whitespace_top":36,"remove_whitespace_bottom":36,"id":447,"type":427},{"value":417,"label":418,"key":417},"(Fiscale) voordelen",[442],{"type":14,"text":443},"\u003Cp>Gebrek aan kennis speelt een grote rol bij het wel of niet opbouwen van pensioen door ondernemers. Veel zzp’ers zijn zich nog niet bewust van de mogelijkheden die fiscale regelingen, zoals lijfrente, bieden om belastingvriendelijk pensioen op te bouwen. Ook is minder dan de helft van de zelfstandigen bekend met het begrip ‘jaarruimte’. \u003C\u002Fp>",{"content_left":445,"content_right":446},[],[],"m5kx5l5j",{"columns":449,"blue_background":36,"title":450,"content":451,"content_2_kolommen":454,"show_block_options":8,"remove_whitespace_top":36,"remove_whitespace_bottom":36,"id":457,"type":427},{"value":417,"label":418,"key":417},"Advies van ervaren zzp’ers",[452],{"type":14,"text":453},"\u003Cp>Ervaren zzp’ers hebben als advies aan jonge ondernemers: begin vroeg en maak pensioenopbouw onderdeel van je bedrijfsvoering. Veel van hen geven aan dat het belangrijk is om structureel geld opzij te zetten. Het idee dat je later nog kunt inhalen, blijkt in de praktijk vaak een illusie. \u003C\u002Fp>\u003Cp>Zelfstandig Ondernemers biedt een 4-in-1 totaaloplossing, waarbij je zelf beslist welke ondernemersrisico’s je wilt afdekken. Het hart van onze dienst is de arbeidsongeschiktheidsvoorziening, je kunt die aanvullen met een ongevallenverzekering en pensioen en het deel van je inleg dat niet aan zieken wordt geschonken, komt terecht in jouw eigen spaarbuffer.  \u003C\u002Fp>\u003Cp>\u003Cstrong>Stel \u003Ca href=\"https:\u002F\u002Fwww.zelfstandigondernemers.nl\u002Faanvragen\">hier\u003C\u002Fa> je eigen vangnet op maat samen\u003C\u002Fstrong> \u003C\u002Fp>",{"content_left":455,"content_right":456},[],[],"m5kx5vgm",{"title":142,"handle":459},"article",{"title":142,"handle":461},"articles","2026-01-19T23:00:00.000000Z",{"has_image":464,"image":465,"color":468,"background_color":471,"title":474,"size":475,"content":478},true,{"id":466,"permalink":467,"alt":8,"width":408,"height":409},"assets::pensioenopbouw_2.jpg","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fassets\u002Fpensioenopbouw_2.jpg",{"value":469,"label":470,"key":469},"darkblue","Donkerblauw",{"value":472,"label":473,"key":472},"blue","Blauw","Te weinig pensioen voor zorgeloze oude dag zzp’er",{"value":476,"label":477,"key":476},"large","Hoog",[479],{"type":14,"text":480},"\u003Cp>\u003Cstrong>Een kwart van de zzp’ers in Nederland bouwt helemaal geen pensioen op. Van de zzp’ers die wél iets geregeld hebben, bouwt een groot deel te weinig op om straks zorgeloos van de oude dag te kunnen genieten. Dat gaat in de toekomst voor armoede zorgen.\u003C\u002Fstrong> \u003C\u002Fp>","7ef4ee46-c452-423e-86b0-3b96eb1f4034",{"id":405,"permalink":406,"alt":407,"width":408,"height":409},"Een kwart van de zzp’ers in Nederland bouwt helemaal geen pensioen op. Van de zzp’ers die wél iets geregeld hebben, bouwt een groot deel te weinig op om straks zorgeloos van de oude dag te kunnen genieten. Dat gaat in de toekomst voor armoede zorgen.","default","3 minuten","","Te weinig pensioen voor zorgeloze oude dag zzp’er | Zelfstandigondernemers","te-weinig-pensioen-voor-zorgeloze-oude-dag-zzper","published",[491],"zelfstandig ondernemers","2026-01-20T15:20:25.000000Z","\u002Factueel\u002Fte-weinig-pensioen-voor-zorgeloze-oude-dag-zzper",{"data":495,"links":532,"meta":536},[496,510,521],{"image":497,"intro":501,"title":502,"date":503,"id":504,"url":505,"author":506,"reading_time":507,"article_type":508},{"id":498,"permalink":499,"alt":500,"width":408,"height":409},"assets::zo-doeik-dat-als-zzp'er-website-thumbnail_5.jpg","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fassets\u002Fzo-doeik-dat-als-zzp%27er-website-thumbnail_5.jpg","tarief zzp","In de videoreeks ‘ZO doe ik dat als zzp'er’ nemen we je mee langs alle kansen en uitdagingen die ondernemers tegenkomen. \n\nIn deze video: als zzp’er wil je een tarief vragen dat past bij jouw werk en ervaring. Maar wanneer is het tijd om je tarief te verhogen, en hoe pak je dat aan? In deze aflevering van ZO doe ik dat als zzp’er delen andere ondernemers hun ervaringen.","ZO doe ik dat als zzp'er | Je tarief verhogen: waarom en hoe?","2026-10-07T22:00:00.000000Z","990b93fe-2d8d-427e-bf18-bae20338b77b","\u002Factueel\u002Fzo-doe-ik-dat-als-zzper-tarief-verhogen","Lydia Bos","5 minuten",{"value":509,"label":152,"key":509},"video",{"image":511,"intro":515,"title":516,"date":517,"id":518,"url":519,"author":398,"reading_time":485,"article_type":520},{"id":512,"permalink":513,"alt":514,"width":408,"height":409},"assets::boek-anders-ondernemen_1.jpg","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fassets\u002Fboek-anders-ondernemen_1.jpg","anders ondernemen boek","Ben je voor jezelf begonnen voor de vrijheid, maar word je vooral opgeslokt door de dagelijkse drukte? In het boek Anders Ondernemen delen wij – Lydia Bos en Frits Sissing, de ondernemers achter Zelfstandig Ondernemers – onze visie op ondernemerschap. We laten je nadenken over hoe je onderneemt en welke keuzes je bewust wilt maken. Met inzichten en reflectievragen over onder meer tijd, energie, financiële ruimte en een veranderende ondernemerswereld. Voor ondernemers die voelen: het kan anders.","Bewust ondernemen: maak jij nog de keuzes die bij je passen?","2026-09-29T22:00:00.000000Z","45b92f05-274f-48da-8c7a-33f40f088829","\u002Factueel\u002Fbewust-ondernemen-anders-ondernemen-boek",{"value":397,"label":147,"key":397},{"image":522,"intro":526,"title":527,"date":528,"id":529,"url":530,"author":506,"reading_time":507,"article_type":531},{"id":523,"permalink":524,"alt":525,"width":408,"height":409},"assets::zo-doeik-dat-als-zzp'er-website-thumbnail_4.jpg","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fassets\u002Fzo-doeik-dat-als-zzp%27er-website-thumbnail_4.jpg","aov als ondernemer","In de videoreeks ‘ZO doe ik dat als zzp'er’ nemen we je mee langs alle kansen en uitdagingen die ondernemers tegenkomen. \n\nIn deze video: hoe regel je een AOV als ondernemer?","ZO doe ik dat als zzp'er | Hoe regel je een AOV als ondernemer?","2026-09-23T22:00:00.000000Z","7df67ef1-b79b-4a90-b22d-cf81771b4bc9","\u002Factueel\u002Fzo-doe-ik-dat-als-zzper-hoe-regel-je-een-aov-als-ondernemer",{"value":509,"label":152,"key":509},{"first":533,"last":534,"prev":8,"next":535},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=1","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=43","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=2",{"current_page":132,"from":132,"last_page":537,"links":538,"path":585,"per_page":547,"to":547,"total":586},43,[539,541,542,544,548,552,556,560,564,567,571,575,577,581,583],{"url":8,"label":540,"page":8,"active":36},"pagination.previous",{"url":533,"label":418,"page":132,"active":464},{"url":535,"label":543,"page":138,"active":36},"2",{"url":545,"label":546,"page":547,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=3","3",3,{"url":549,"label":550,"page":551,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=4","4",4,{"url":553,"label":554,"page":555,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=5","5",5,{"url":557,"label":558,"page":559,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=6","6",6,{"url":561,"label":562,"page":563,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=7","7",7,{"url":565,"label":57,"page":566,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=8",8,{"url":568,"label":569,"page":570,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=9","9",9,{"url":572,"label":573,"page":574,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=10","10",10,{"url":8,"label":576,"active":36},"...",{"url":578,"label":579,"page":580,"active":36},"https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries?limit=3&sort=-date&fields=image%2Cintro%2Ctitle%2Cdate%2Cid%2Curl%2Cdate%2Cauthor%2Creading_time%2Carticle_type&page=42","42",42,{"url":534,"label":582,"page":537,"active":36},"43",{"url":535,"label":584,"page":138,"active":36},"pagination.next","https:\u002F\u002Fcms.zelfstandigondernemers.nl\u002Fapi\u002Fcollections\u002Farticles\u002Fentries",128,{"data":588,"links":598,"meta":599},[589,592,595],{"image":590,"intro":501,"title":502,"date":503,"id":504,"url":505,"author":506,"reading_time":507,"article_type":591},{"id":498,"permalink":499,"alt":500,"width":408,"height":409},{"value":509,"label":152,"key":509},{"image":593,"intro":515,"title":516,"date":517,"id":518,"url":519,"author":398,"reading_time":485,"article_type":594},{"id":512,"permalink":513,"alt":514,"width":408,"height":409},{"value":397,"label":147,"key":397},{"image":596,"intro":526,"title":527,"date":528,"id":529,"url":530,"author":506,"reading_time":507,"article_type":597},{"id":523,"permalink":524,"alt":525,"width":408,"height":409},{"value":509,"label":152,"key":509},{"first":533,"last":534,"prev":8,"next":535},{"current_page":132,"from":132,"last_page":537,"links":600,"path":585,"per_page":547,"to":547,"total":586},[601,602,603,604,605,606,607,608,609,610,611,612,613,614,615],{"url":8,"label":540,"page":8,"active":36},{"url":533,"label":418,"page":132,"active":464},{"url":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