The government sets an annual maximum for pension saving. Within that limit, you are free to choose how much you contribute and what tax advantage you receive.
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Pension savings
Would you like to continue living comfortably in the future, even when your professional income ceases? With pension savings, you can easily and tax-efficiently build up extra capital in addition to your statutory pension.
Pension savings is one of the most popular ways in Belgium to build up a supplementary pension. Each year, you save an amount that entitles you to a tax benefit while your capital grows until you retire. In this way, you combine financial security for the future with a direct fiscal incentive today.
What is a pension saving insurance?
Pension saving is a long-term savings plan where you deposit an amount each year into a pension insurance or pension savings fund. This capital grows over several years and is paid out when you reach retirement age.
The government encourages pension saving with a tax reduction on the paid premiums. Each year you receive a part of your deposit back through your tax return, with the tax benefit usually amounting to 30% of the invested amount. This way, you not only benefit from a growing capital but also from an attractive tax saving.
Pension saving is available to anyone who pays taxes in Belgium and wants to build up an additional pension.
What are the benefits?
Covers the accumulation of supplementary pension capital in addition to your statutory pension.
Benefit from a tax advantage through an annual tax reduction.
Discover an easy way to systematically save for the future.
Provides extra financial security for yourself and your family.
Who is this insurance for?
Pension saving is suitable for anyone who wants to prepare financially for their future.
This may be of interest to, among others:
- Employees who want to supplement their pension
- Self-employed individuals without a company
- Business owners who want to build up additional pension alongside other solutions
- Individuals who want to save with tax benefits
The earlier you start, the larger the capital you can build up in the long term.
What is covered and what is not?
What is covered?
- Build-up of supplementary pension capital
- Payment of the pension capital upon retirement
- Death benefit for surviving beneficiaries (under certain plans)
- Professional management of the accumulated pension capital
What is not covered?
- Withdrawals before the statutory retirement age without tax consequences
- Benefits that are not included in the policy
- Pension capital accrual exceeding the statutory limits
How much does this insurance cost?
With pension saving, you decide yourself how much you deposit each year, within the legal limits.
In Belgium, there are two tax ceilings for pension saving. The amount you deposit determines the tax benefit you receive.
You can:
- Save monthly
- Deposit an amount annually
- Adjust your contribution according to your financial situation
An advisor can help determine which option and amount best suit your financial planning.
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We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
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Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
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No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
Would you like to know how much supplementary pension you can build up through pension savings?
The advisors at Van Dessel Insurance Brokers will work with you to determine which plan best suits your financial goals and tax situation. That way, you can build a strong supplementary pension, step by step.
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