In short:

In the near future, individuals may be able to receive a lump sum payment of up to 10% of their pension/retirement capital upon retirement, which will result in permanently lower future payments. The Nibud (a Dutch consumer protection organization) investigated a tool designed to provide insights into the consequences of this option, but encountered legal and technical limitations related to data privacy (AVG). Specifically, pension data is not accessible without a change in legislation, and tax data is outdated for making future projections. (See more details on page 27).

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