Retirement Savings
Whether you’re an employee or self-employed, retirement savings is for everyone. From the age of 18, as soon as you earn an income, you can benefit. With retirement savings, you not only build up a valuable nest egg for the future but also enjoy an immediate tax advantage.
Two ways to save for retirement
Since 2018, you can choose between two forms of retirement savings:
- Standard Retirement Savings – the classic formula
- Increased Retirement Savings – allows you to save more each year
| Standard Retirement Savings | Increased Retirement Savings | |
|---|---|---|
Maximum annual premium (2025) | €1,050 | €1,350 |
Premium tax | 0% | 0% |
Tax reduction on contributions* | 30% | 25% |
Final tax at age 60** | 8% | 8% |
Net fiscal return | ~22% | ~17% |
* Plus local surcharges.
** No local surcharges.
💡 Good to know: The tax on your savings is deducted on your 60th birthday. But that doesn’t mean you have to stop saving. From 60 to 64, you can still make deposits, keep your tax benefit, and grow your capital tax-free (unless your contract is less than 10 years old).
Which option is best?
- Standard retirement savings offers the higher tax return (22%), but with a lower savings limit.
- Increased retirement savings allows you to save more annually. If you can afford the higher contribution, it usually pays off better than leaving money in a traditional savings account.
Why start now?
- Immediate tax benefits every year
- A solid financial cushion for later life
- Flexible choice between standard and increased saving
- Simple, accessible, and secure
Requesting a quote?
We will provide you with a tailor-made quote, with absolutely no strings attached!