Can you access your money sooner if you invest for your pension?

No, accrued pension is fiscally locked until your retirement date. In exceptional cases it can be earlier, for example with long-term incapacity for work or emigration.

Outside those exceptions, surrender counts as negative uitgaven voor inkomensvoorzieningen: the amount is taxed as income and you usually pay 20% revisierente. You can, however, choose when your benefit starts, from five years before your AOW age. Read taking your pension investment earlier.