Not every self-employed person works through a company. Yet, as a self-employed person without a company, you also want to build up a strong supplementary pension. With a Pension Agreement for the Self-Employed (PASE), you save extra for later, alongside your PSPSE and on top of your statutory pension.
A PASE offers self-employed individuals an additional opportunity to strengthen their pension
in a tax-efficient way. This way, you create more financial security for the future and make optimal use of the available pension solutions.
A Pension Agreement for the Self-Employed (PASE) is a supplementary pension insurance
for self-employed individuals without a company. With this plan, you can build up extra pension in addition to a Private Supplementary Pension for the Self-Employed (PSPSE)
The premiums are paid personally and, under certain conditions, are tax deductible through a tax reduction. As a result, you combine pension accrual with an attractive tax incentive.span
A PASE works in a similar way to an IPC for company directors, but is specifically intended for self-employed individuals without a company.
Provides additional pension accrual on top of your VAPZ and statutory pension.
Enjoy tax benefits through a reduction in taxes on the premiums paid.
Offers financial protection for your family through a death benefit.
Covers additional options for pension planning without a company.
A PASE is intended for self-employed individuals without a company who want to further strengthen their pension.
This can be of interest to:
For self-employed individuals with a company, an IPC is often an alternative solution.
The premium for a PASE depends on several factors, such as:
Within these limits you can pay a premium annually to further build up your pension capital. Because the premiums entitle you to a tax reduction, the effective cost is often lower than the amount paid in.
A specialized advisor can help you determine the optimal premium and structure.
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