荷蘭

66%($66)

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以66%並列歐元區榜首，坐擁全球佔 GDP 比例最高的已提撥職業退休金池及嚴格免佣理財顧問法規。

荷蘭錄得66%成人金融素養率，結合荷蘭央行研究、獨立家庭預算研究所 Nibud 實用工具，以及全國校園「精明理財」（Wijzer in geldzaken）推廣週。

About Netherlands

The Netherlands, also informally known as Holland, is a country in Northwestern Europe, with overseas territories in the Caribbean. It is the largest of the four constituent countries of the Kingdom of the Netherlands. The Netherlands consists of twelve provinces and three overseas special municipalities. European Netherlands has land borders with Germany to the east and with Belgium to the south, and a coastline to the north and west. It shares maritime borders with the United Kingdom,…

荷蘭錄得66%成人金融素養率，結合荷蘭央行研究、獨立家庭預算研究所 Nibud 實用工具，以及全國校園「精明理財」（Wijzer in geldzaken）推廣週。

Key Benchmarks & Specifications

成人金融素養率

66%. 全球排名全球並列第7位（66%）. 校園理財教育財政部 Money Wise 平台及 Nibud 預算指南. 央行與監管機構 De Nederlandsche Bank (DNB) & AFM. 退休金與儲蓄制度國家 AOW 加逾 GDP 150% 的龐大職業退休基金

Editorial Strengths & Watchouts

Pros

66%成人合格率並列歐元區20國第一位
法例嚴禁理財產品隱藏銷售回佣，確保收費透明客觀

Cons

轉向新制確定提撥退休金（Wtp）期間需加強投資波動教育
過往按揭利息扣稅優惠曾推高家庭總按揭貸款規模

Eligibility & Access

禁止理財銷售佣金監管與全國整合式退休金檢視平台

Key Caveats to Verify

2028年前完成的退休金改革將令個人帳戶更直接反映市場升跌

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荷蘭