You arrange pension savings yourself, while VAPW goes through your employer and is managed via your salary.
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Voluntary supplementary pension for employees (VAPW)
Would you like to build up extra pension as an employee through your employer, without administrative hassle? With the VAPW (Voluntary Supplementary Pension for Employees), you can easily and tax-efficiently save for the future, directly from your salary. Van Dessel guides you every step of the way, so you can make the most of this relatively new and attractive pension scheme.
What is a voluntary supplementary pension for employees (VAPW)?
The voluntary supplementary pension for employees (VAPW )is a system that allows you as an employee to voluntarily build up extra pension savings through your employer.
You have a portion of your net salary withheld, which is transferred to a pension insurance or pension fund. These contributions are fiscally incentivized, which means you benefit from tax advantages. The VAPW is especially attractive if you have no or only a limited supplementary pension through your employer.
What are the benefits?
Covers the accumulation of a supplementary pension through your employer.
Provides a tax benefit on your contributions.
Covers automatic deposits via your salary without extra administration.
Covers additional pension accrual if your employer does not provide group insurance.
Who is this insurance for?
The VAPW is intended for employees who:
- Have little or no group insurance
- Want to take the initiative to build up additional pension
- Want to save on a tax-advantaged basis through their salary
- Want to better prepare themselves financially for the future
This scheme is accessible to most employees in the private sector, provided their employer facilitates the system.
What is covered and what is not?
What is covered?
- Building up supplementary pension savings
- Tax relief on your contributions
- Managed by a pension provider (insurance company or fund)
- Payment of the savings upon reaching retirement age
What is not covered?
- Unlimited contributions (subject to statutory limits)
- Full control over the management (handled by the employer and the pension provider)
- Early withdrawals without restrictions
- Protection against investment risks under certain schemes
How much does this insurance cost?
With a VAPW, you determine how much you contribute, within the legal limits.
The contribution:
- Is deducted from your net salary
- Is limited to a percentage of your gross salary
- Takes into account any existing pension accrual (such as group insurance)
- Can be adjusted according to your preferences
Because the contribution is arranged through your salary, the system is simple and transparent.
"Thank you very much for the clear information and the prompt follow-up! "
Family K. from Westerlo
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Would you like to receive a quote?
Would you like to know if the VAPW is interesting for you? Or how much additional pension you canaccumulate?
Our experts analyze your situation and provide clear, personalized advice. This way, you get the most out of your opportunities.
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