Pension savings: plan today for later

For individuals: pension savings

Save actively whenever you like, over the long term with a return known in advance, or with more potential return through funds. The earlier you start, the better, but starting later still pays off: you get a tax benefit on your deposits.

For the self-employed: VAPZ

With the VAPZ (supplementary pension for the self-employed), your contribution is fully deductible from your taxable income. You recover a large part of your contribution through tax, and your future social security contributions fall too. The tax benefits depend on your situation and on legislation, which may change.

For company directors: IPT

With an IPT (individual pension commitment), your company takes out insurance for your supplementary pension, with a favourable tax regime for the company and a reduced tax rate on the capital. One of the conditions is that you receive a regular monthly salary.

Did you know that you can also use your IPT to finance private property?

For the self-employed without a company: POZ

The POZ (pension agreement for the self-employed) is the tax-efficient alternative for those without a company, on top of the VAPZ.

For healthcare professionals: RIZIV pension

Are you a doctor, dentist, pharmacist or physiotherapist working under the national agreement (geconventioneerd)? Then you can use the annual allowance from the RIZIV/INAMI (national health insurance) to build up a supplementary pension.