What is the difference between a self-employed pension and an employed pension?

In employment a pension usually runs automatically through a collective scheme: your employer contributes, participation is often mandatory and you have little influence over execution.

As a zzp'er there is no standard scheme. You decide whether, how much and when you build up, via a third-pillar lijfrente account. More freedom, but also more responsibility, and you carry the investment risk yourself. See pension for entrepreneurs.