Free Savings

Belgians are known as enthusiastic savers. Yet despite record amounts sitting in savings accounts — €268 billion at the start of 2025 — the reality is clear: with low interest rates, a traditional savings account often earns less than inflation. Safe, yes, but not sustainable. That’s why we offer smart savings alternatives tailored to you.

Why Free Savings?

Unlike tax-advantaged retirement or long-term savings, free savings give you complete flexibility. You choose the plan that fits your needs, risk appetite, and future goals — without restrictions on age or tax deductions.

It’s impossible to predict the perfect time to invest. That’s why we work with automatic, regular savings plans:

• In times of growth, you benefit from rising markets.
• In times of decline, you buy in at lower prices.
• Over time, this creates a healthy average return on your savings.

We call this smart saving — safe, systematic, and designed for the long run.

What about taxes?

• No 30% withholding tax on investment income for Tak 23.
• A 2% insurance tax applies, but with a long enough horizon, the impact is minimal.
• No stock exchange tax on your savings plan.

Savings formulas you can choose from

As independent brokers, we offer flexible plans from multiple providers, fully tailored to your preferences:

• Risk-free (Tak 21)
  100% capital guarantee, fixed interest rate, and possible profit participation.
• With risk (Tak 23)
  Invest in one or more funds, aiming for higher long-term returns.
• Tailor-made (Tak 21 + Tak 23)
  A combination of guaranteed security and growth potential.