What changes financially when you move to Mexico?

Tick where your income comes from. You then see which rules Mexico and the Netherlands apply to your situation — which country may tax, which schemes exist and how you become insured. With the source, so you can check it.

Where does your income come from?

Several answers possible. A mixed pension is the rule rather than the exception.

AOWJe ontvangt AOW, of gaat die binnen je traject ontvangen.BedrijfspensioenPensioen opgebouwd bij een werkgever buiten de overheid.Pensioen uit overheidsdienstABP-jaren als ambtenaar, leraar in het openbaar onderwijs, politie of defensie.Loon uit werk ter plaatseJe gaat in het land zelf in loondienst werken.Zelfstandig werk ter plaatseJe gaat er als zzp'er of ondernemer werken.Huur, dividend of renteInkomen uit vermogen dat buiten je nieuwe woonland zit.Lijfrente of aanmerkelijk belangEen lijfrentepolis, of 5% of meer van de aandelen in een bv.

This applies to everyone who moves. Tick above what applies to you, and the rest is added.

Wat Nederland niet loslaat

Welke Nederlandse verplichting reist met je mee?

Note

Your Dutch basic insurance ends on deregistration

The basic insurance stops on the day you deregister — and your new policy only starts once the acceptance is settled.

With Mexico the age trap comes on top: whoever postpones the insurance question until after the move can have become too old for the policy that was meant to carry the plan. First cover, only then irreversible steps — and a bridging policy for the gap between the Dutch end date and the first insured day.

Where this comes from: The entry limits from the healthcare article (Mexican policy up to 64, up to 70 with a medical file) and the fixed emigration rule that the Zvw ends on deregistration.

Read the whole story

This is not tax advice

These are the rules that apply to your situation, not the outcome of them. With Mexico the difference lies in three articles of the same treaty: your occupational pension goes exclusively to Mexico, your AOW (the Dutch state pension) the Netherlands may keep taxing up to a cap of 17.5 percent, and your government pension stays Dutch. Around that two things that have nothing to do with the treaty and still decide your monthly income: Mexico is no treaty country for the AOW export, so whoever goes alone falls back to the married rate — and it is no treaty country for healthcare, so a policy replaces the CAK. Which combination you have decides your net monthly income. Take this list to a tax adviser who knows both countries.

And then the journey itself

Knowing which rules apply is the first half. The second is applying them in time: in the right order, with the deadlines watched and the documents at hand.

Start your journey to Mexico See the destination

The departure guide

Five mails, and you see your whole journey

Not ready to start yet? Then we'll send you the departure guide for Mexico: five mails in a week and a half, with the order, the pitfalls and the real costs. After that one question about where your plans stand, and beyond that only a short update when something in Mexico really changes — at most one a month, no newsletter, and you can switch it off at any time.