Branch 21 focuses on capital protection and security. Branch 23 offers more investment opportunities and potential returns, but the capital depends on the performance of the underlying funds.
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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 savings 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 an additional pension alongside your statutory income.
Covers a tax benefit through a 30% tax reduction on your contributions.
Benefit from financial security thanks to a guaranteed return (branch 21) or growth potential (branch 23).
Covers flexibility in deposits tailored to your budget and goals.
Who is this insurance for?
A pension savings insurance is interesting for anyone who:
- Wants to maintain their standard of living after retirement
- Wants to save in a tax-advantageous way
- Is self-employed or an employee and wants to build extra security
- Wants to build wealth in the long term with guidance
Both young savers and people who start later can join. The earlier you start, the greater the final capital.
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?
The premium for a pension savings insurance is flexible and depends on your personal situation.
You choose how much you deposit annually, within the legally determined limits to benefit from tax advantages. The main factors are:span>
- Your chosen plan (branch 21 or branch 23)
- The amount you want to save annually
- Any entry and management fees
We help you determine an optimal strategy, tailored to your goals and risk tolerance.span>
"Thank you very much for the clear information and the quick follow-up."
The K. family from Westerlo
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Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
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already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
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protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Would you like to know how much you should ideally save for your pension? Or which plan suits you best?
Our specialists analyze your situation and provide clear, no-obligation advice. This way, you can make an informed choice for your future.
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