Savings & Investments
As a self-employed professional, your statutory pension is unfortunately limited. To maintain your current lifestyle later, it is essential to build additional capital today. The good news: you have access to a wide range of savings solutions designed especially for the self-employed, combining attractive social and tax benefits with tailored financial planning.
If you are a conventioned healthcare provider, you are entitled each year to an allowance from RIZIV. It would be a pity to let this go unused. You can use the allowance to:
- Build an additional pension
- Add a guaranteed income cover
- Provide a death benefit for your family
This scheme is available to conventioned doctors, dentists, pharmacists, physiotherapists, speech therapists, and independent nurses. The allowance must be requested on time and linked to sufficient conventioned activity.
Through an Individual Pension Commitment (IPT), your company builds a pension for you as managing director. The company is the policyholder, while you are the insured.
Benefits include:
- Pension savings financed by the company (not private funds)
- Tax advantages: premiums are deductible as a business expense
- Flexibility: expand with extra covers such as death benefit or income protection
The calculation of premiums is subject to the well-known 80% rule. We help you optimize this so your plan works within fiscal limits.
Open to everyone from 18 years old with an income, pension savings let you build an extra pot for later while reducing your taxes.
- Standard pension savings – max €1,050/year at 30% tax relief
- Increased pension savings – max €1,350/year at 25% tax relief
Both options are tax-friendly, with the choice depending on your budget and preference.
An additional way to save with fiscal benefits, especially valuable if your mortgage offers little or no tax deduction.
- Save up to €2,530/year depending on income
- Enjoy a 30% tax reduction on contributions
- Capital available at age 65 (or later if you keep saving)
- Option to use part of the capital for property financing
Since 2018, self-employed without a company can boost their retirement savings through POZ.
- Build an additional pension with 30% tax reduction on contributions
- Possible for full-time self-employed, part-timers, helpers, or assisting spouses
- Expand with covers for death or incapacity
Note: it is often recommended to first optimize VAPZ (and RIZIV VAPZ if applicable), then pension savings, then long-term savings, before considering POZ.
Beyond fiscal products, there are also free savings and investment solutions, tailored to your risk appetite.
- Tak 21: capital-guaranteed, fixed interest, with possible profit sharing
- Tak 23: investment in funds, with potential for higher returns
- Combination: a mix of security and growth
By saving regularly and automatically, you spread risk and benefit from both good and weaker market periods. This is what we call smart saving.
Requesting a quote?
We will provide you with a tailor-made quote, with absolutely no strings attached!