My complementary pension

Prepare a complementary pension plan for sole traders to benefit from capital on top of your state pension. Save as a sole trader without a limited company, as a director, or through your company to benefit from tax advantages. RGF Group gives you the optimum guarantees, services and prices to assure you of a comfortable and pleasant retirement.

Save up for my complementary pension for sole traders in Belgium

Self-employed

Benefit from tax advantages for your pension as a self-employed person

Voluntary Supplementary Pension Scheme for the Self-Employed

Reduce your social security contributions by up to 20% and get tax rebates of 50% (or more)

Supplementary Pension Agreement for the Self-Employed

Save up for your supplementary pension with an individual life insurance plan for the self-employed:

  • Tax benefit of 30% for premium payments
  • Ideal for property investments
  • Final 10% tax on the capital

Complementary pension specific for medical and paramedical professions

Save up for a complementary pension with a choice among several forms of saving for :

  • Doctors
  • Dentists
  • Pharmacists
  • Physiotherapists
  • Other paramedical practitioners

Self-employed

Finance your complementary pension with a group insurance plan contracted by your company

Voluntary Supplementary Pension Scheme for the Self-Employed

Get tax benefits and reduce your social security contributions by up to 20%

Individual Pension Commitment (Branch 21 and Branch 23)

Accrue capital for your retirement with a particularly attractive life insurance plan :

  • All your premiums are deductible (80% rule)
  • Ideal for property investments
  • High security with high returns

Complementary pension specific for medical and paramedical professions

Save up for a complementary pension with a choice among several forms of saving for :

  • Doctors
  • Dentists
  • Pharmacists
  • Physiotherapists
  • Other paramedical practitioners

What are the 4 sides to a Belgian pension?

the 4 sides of a Belgian independant pension in 2021

The statutory pension for the self-employed is low in 2021: approximately €880 net per month. This amount does not give much hope for a comfortable and pleasant retirement.

This is why RGF Group is here to help you save up for a complementary pension. This life insurance plan will give you a range of tools to protect and diversify your pension capital thanks to tax advantages. You can transfer your assets with complete peace-of-mind and look forward to a retirement that meets your expectations.

Book an appointment with a broker

RGF Group makes sure you get the best prices, the best service and above all the best protection.

Complementary pension online calculator

We help you create your pension plan to guarantee you the retirement you deserve!

How can I supplement my state pension?

Want to build a pension plan? Want to protect your family and your estate? Intend to transfer your assets in the best possible way?

RGF Group helps you build your pension plan by thoroughly evaluating your financial situation. We will give you independent advice on the best options available to you, focusing on optimising tax for your situation.

Simulation pension insurance plan Belgium 2021
1 First pillar

Make an online simulation and get personalised follow-up to build your complementary pension plan

2 second pillar

Add to your state pension with savings insurance. Get a tax deduction of 30% on premiums paid in.

Long-term saving to complement your pension. Get both together to benefit from life insurance with tax advantages.

3 third pillar

Are you self-employed?

Supplement your state pension or supplementary pension with a Voluntary Supplementary Pension Scheme for the Self-Employed (VSPSS) and pay less tax.

Are you a company director?

Get a complementary pension through your company thanks to an individual pension commitment (IPC). 100% tax deductible.

Are you self-employed with no company?

Supplement your pension as an individual with tax advantages through a Supplementary Pension Agreement for the Self-Employed (SPAS).

4 fourth pillar

Progressively build pension capital with voluntary saving in the form of life insurance and invest in property

Taxation of my pension saving

What's the maximum amount that I can save?

RIZIV maximum amount

Registered doctor (activity threshold)Registered doctor (lower threshold)
4.941,34 € 2.330,95€
Registered dentist
2.382,60€
Full time3/4 time1/2 time
2.966,73€ 2.225,05€ 4.483,37€
1500 services 36000 average value2300 services 55200 average value3000 services 72000 average value+ 6500 services 156000 average value
1.468,30€ 1.940,25€ 2.595,75€ 0€
900 Prestations 15750 val R2000 prestations 35000 val R+ 4000 prestations 70000 val M
1.250,79€ 2.579,74€ 0€
33.000€ to 150.000€+ 150.000€
521,16€ 0€

VSPSS maximum amount

Regular VSPSSSocial VSPSS
3.291,30€ 3.786,81€

IPT and SPAS maximum amount

80% RULE
Your cap is calculated based on the 80% rule. The maximum amount of your state pension added to your complementary pension may not exceed 80% of your latest gross monthly pay.

Pension saving maximum amount

25% tax deduction30% tax deduction
1.270€ 990€

Long-term saving maximum amount

30 % maximum deductible amount
2.350€

Voluntary saving

5% average yieldBank SICAVSavings insurance
Invest. 2.000€/month 2.000€/month
Withholding tax 0% 2%
Invested premium 2.000€/month 1.960€/month
Gross value after 10 years 307.000€ 300.000€
30% Withholding tax -20.017€ /
1.32% Tax on stock markets (TOB) -3.784€ /
Net value after 10 years 283.000€ 300.000€

With free savings, you benefit from a significant tax advantage. Thanks to the 2% flat-rate entry tax, you are exempt from all bank taxes (withholding tax and tax on stock market transactions).

The gross value of the capital invested is therefore equal to the net value. Would you like to know more about savings insurance, recurring investments and how to invest your money in Luxembourg?

Contact us

I perform an online simulation

I make an appointment with an advisor

I would like to receive more information