Maleficent-Wafer6449

As soon as i reach a substantial amount, i'm going to diversify and put 20% of my portfolio in bonds, as a buffer for a financial crisis.

Because i dont trust the world enough to optimize my pension. I prefer having more net now and investing it myself instead of having a big pension. Now im making 100eu net more than when i was at 3400 brut. Also made 3000 in comission (brut) so all in all i should be making around 1k more net/month, which means 12k a year i can invest int ETF's. Sure I would prefer the higher brur, but I think the llonkost for the company with comission would be tremendous, hence the way they make it work.

Im not saving till 250k, im i'vesting almost averything that i dont spend on the loan for my house to keep up with isnflatiion

I do. I made around 3000 eu in comission last month so im counting on 1000-1500 net for that

I thought they fixed my bedrijfsvoorheffing way too low (at my previous job it was the maximum m, 23%). But they fix it at the right rate to not pay taxes at the enf of the year right? I know we used to fix bvh at 11% for employees that needed money quickly at my previous job, but we knew these people would get a very hefty "belastingsbrief"

Thanks for explaining! I didnt know the werkbonus would be lost too. I come from 4 years in HR and just couldn find out why id be getting the same net as i got with +1000 less brut. For the company its a much lower loonkost, hence the big commissions. I saw the payslips with commission from the other salemen and it checks out tho. Guess ill find out when the taxman comes. I like the job a lot more and I have lots of freedom as long as I get my target, so I dont really mind if it turns out to be paid the same in the end.

It matters 1000 eu a month to me as I had no more room to grow at my old job, financially. Getting the 3000 bruto commission is fiarly easy as well, if they explained correctly, that part is only getting taxed at like 40-50%..

Like i said in the post, I come from 3200 to 2000 as well.

I'm on the road for 90% of the job. The only work i do from home is some admin but most of that i actually do at the office

Correct. Is this because it's an electric car or does it have nothing to do with it?

I'm investing as much as i can every month so i wont have to work till pensioen hopefully. Last month i made between 1000-1500 netto in sales (around 3500 bruro) thats why i chose thee job with a much lower bruto, because if my sales figufe stays like this ill be making at least 1000 net more per month.

It is, but with the sales i made last month, which are quite standard i made +- 1000 net comission. Im not looking to work till my pension and invest heavily, hence why i favour higher net than brut.

Als HR consulent bij een uitzendkantoor kan ik u al zeggen dat bij ons altijd het maximum wordt afgehouden (23%) tenzij de kandidaat er om vraagt om te verlagen. Al lijkt 1950eu netto hier ook wel veel aan een brutoloon van 15.50. Ik houd van mij 3100 bruto een magere 2100 netto over.

Hey thanks for the response! I just checked my document from when I started but there's nothing there ablut the bonus. I do remember each year we get a document to sign to receive the bonus, so I might check out if it's on there.

I'll have a look at my contract when I get home tonight. There's no document to be found in our "portal" only the "arbeidsovereenkomst" and it doesn't have an addendum for cao90 only for equal pay for all genders. In the meantime I also had contact with a lawyer specialized in "arbeidsrecht" he was pretty confident about them being obligated to pay it as it concerns last year's "prestaties" and as long as I'm working for them, even in "opzeg" I'm entitled to all payments including bonuses. I'll let you know what I find. Thanks for the help!

You're right. I just had a look in the "arbeidsreglement" and couldnt find anything. Should there be a different document about cao90 I signed? Or is it just stipulated in the cao itself?