As a self-employed person, you often build up fewer pension rights than employees. With a Private supplementary pension for the self-employed (PSPSE), you supplement your statutory pension while also enjoying attractive tax benefits.
A PSPSE is one of the most efficient ways for the self-employed to build up a supplementary pension. You save at your own pace for later, while your premiums are tax-deductible and you already pay less social security contributions today.
A PSPSE (Private Supplementary Pension for the Self-Employed) is a pension savings insurance specifically for the self-employed. Through this plan, you pay periodic premiums to build up supplemental capital that becomes available upon retirement.
The main advantage of a PSPSE is that the premiums are fully tax-deductible as professional expenses. As a result, not only does your taxable income decrease, but so do your social security contributions.
There are two types:
This way, you combine pension capital accrual with extra financial protection during your career.
Covers the structure of a supplementary pension in addition to your statutory pension.
Covers an important tax optimization through deductible premiums.
Covers a reduction in your social security contributions due to lower taxable income.
Offers extra protection in case of incapacity for work through an additional coverage. In addition to a guaranteed income, premium exemption can also be included as a second part of incapacity for work, so that in the event of long-term illness or accident, you do not have to pay premiums while your pension accrual simply continues.
A PSPSE is intended for self-employed individuals who want to supplement their pension in a tax-efficient way.
This can be particularly interesting for:
Starters can also already take out a PSPSE to start building up their pension early.
The premium of a PSPSE is legally capped and depends on your net taxable income as a self-employed person.
In general:
Because the premiums are fully tax deductible, the net cost is often significantly lower than the amount deposited.
An advisor can help you determine the optimal premium amount based on your income and tax situation.
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