Pension savings is a specific savings scheme with an annual tax ceiling. Long-term savings offers an additional tax-advantaged savings option that can often be used on top of pension savings.
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Long-term saving
Do you want to save for the future in a tax-efficient way and at the same time build up an extra financial buffer? With long-term saving, you gradually build up additional capital that will give you greater financial security in the long run.
Long-term saving is an interesting complement to pension saving. You benefit from a tax reduction on your deposits while also saving for your future. This way you combine tax advantages with solid long-term planning.
What is long-term saving?
Long-term saving is a savings formula where you deposit an amount annually into a life insurance policy (class 21 or class 23). This capital grows over several years and is paid out at the end of the term or upon retirement.
The government encourages long-term saving by granting a tax reduction on the premiums paid. Each year you can get back up to 30% of your deposits through your tax return, making saving for later even more attractive.
Long-term saving is part of the so-called third pension pillar and is often combined with pension savings to make the most of tax benefits.
What are the benefits?
Covers the accumulation of additional capital for the future.
Benefit from an attractive tax advantage through annual tax reduction.
Provides extra financial security in addition to pension savings.
Covers the ability to systematically build your financial future.
Who is this insurance for?
Long-term saving is suitable for anyone who wants to save for the long term in a tax-efficient way.
This may be of particular interest to:
- Employees who want to supplement their pension
- Self-employed individuals without a company
- Private individuals who want to make the most of their tax benefits
- People who already do pension saving and want to save extra
Long-term saving is often used as a supplement to pension savings.
What is covered and what is not?
What is covered?
- Build-up of capital through regular contributions
- Payment of the capital at the end of the policy term
- Death benefit for designated beneficiaries
- Professional management of the accumulated capital
What is not covered?
- Withdrawals before the contractual maturity date without tax consequences
- Benefits that are not contractually included
- Contributions exceeding the statutory limits for tax relief
How much does this insurance cost?
With long-term savings, you decide how much you deposit annually, within the legal limits.
The maximum amount depends on, among other things:
- Your taxable income
- Your mortgage loan and housing tax benefits
- The legal ceilings for long-term savings
You can choose from:
- Monthly deposits
- Annual deposits
- A flexible savings amount within the allowed limits
An advisor can help you determine which amount is most tax-efficient for you.
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Would you like to know how much tax benefit you can gain from long-term savings?
The experts at Van Dessel Insurance Brokers will review your financial and tax situation with you. This way, you get a solution that perfectly matches your personal plans and future goals.
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