Sobre as reformas na Holanda

Encontrei um artigo no expatica.com que explica aquilo que quis dizer neste post.
Vão-me desculpar mas eu não vou traduzir isto tudo. Vou só simplificar em Português e depois lêem o resto para ficarem mais informados.
Basicamente o que eles fazem divide-se em 3 partes. Sendo que nenhuma delas corresponde a um sistema de reforma baseado na segurança social como em Portugal. Passo a explicar:

The Dutch pension system is made up of three tightly connected pillars. Interferences with one pillar almost always have consequences for the other two.
Further characteristics of the Dutch pension system are the mandatory participation, financing through capital funding and the triangular relation between employer, employee and pensions provider. 

Eis então a explicação da divisão em 3 partes:

• Esta é a parte que corresponde ao que eu queria dizer com “não tenho reforma” cá. São precisos 50 anos de descontos para receber o dito “subsídio” que a Tulipinha falou. A parte boa é que vos vão mandar uma carta para casa a perguntar se querem pagar o que está pra trás e dar-lhe 6 ou 7 mil euros pra cobrir as falhas dos anos que estiveram no vosso País, e é claro, isto só compensa para quem quer ficar na Holanda até aos 65 anos: 

First pillar 
Anyone who lives or works in the Netherlands is insured for the state pension AOW. This is a basic provision, which entitles a single pensioner to a monthly gross payment of around EUR 1,000 and a married person to around EUR 700 (excluding holiday allowance). The AOW is built up over 50 years. An individual aged between 15 and 65, who is entitled to a Dutch pension, loses 2 percent of the pension for every year out of this fifty that they haven’t lived in the Netherlands. From April 1st 2012, state pensions will commence on the actual day that a person reaches the age of 65 – rather than the first day of the month when they are due to retire.

• Esta é a parte que corresponde ao PPR que a vossa empresa faz por vocês e que é um dos “benefícios”, embora uma parte vos saia do ordenado, mas é a forma que existe de garantir que as pessoas vão ter reforma quando tiverem 65 anos, mas tudo por empresas privadas:

Second pillar

Almost every employee can claim a pension through the second pillar, which is built up via the employer. This labour-based pension is additional to the AOW, and so adds to it. Besides an old-age pension, most pension plans provide benefits for surviving relatives. Sometimes, it includes a right to benefits for inability to work.

The most common pension scheme is an old-age pension, based on the average salary a worker has built up during their entire career. These average-salary schemes have almost totally replaced the final salary schemes, based on employees’ last salary. Most common are DB schemes.

The Dutch state encourages saving for a pension, by not taxing the right to a pension, the so-called pension claim. However, the final benefit is liable to tax. This is called the ‘reverse rule’. The fiscal legislation requires that the right to AOW is taken into account for determining the pension amount.

An employee’s pension must be placed outside the company of the employer, either with an industry-wide pension fund, a company scheme or occupational scheme, or a life insurer. This way, the worker’s rights are protected should the employer go bankrupt.

The industry-wide pension fund carries out the pension plan for all workers in an industrial sector, for example the building industry or the care sector. A company pension fund is tied to one employer or a conglomerate of companies.

Occupational pension funds for professionals carry out the pension plans of the self-employed in the same profession, such as medical consultants or notaries. This paper only addresses industry-wide schemes.

• Fazerem um PPR próprio é a terceira parte:

Third pillar

Workers can individually compensate a pension shortfall within the third pillar through an annuity. The contributions to a life insurer or a bank, can — within limits — be deducted from tax. However, the future annuity benefit will be taxed.