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.
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:
Complementary pension specific for medical and paramedical professions
Save up for a complementary pension with a choice among several forms of saving for :
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 :
Complementary pension specific for medical and paramedical professions
Save up for a complementary pension with a choice among several forms of saving for :
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
RGF Group makes sure you get the best prices, the best service and above all the best protection.
We help you create your pension plan to guarantee you the retirement you deserve!
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
| 1 First pillar |
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Make an online simulation and get personalised follow-up to build your complementary pension plan
| 2 second pillar |
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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 |
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Supplement your state pension or supplementary pension with a Voluntary Supplementary Pension Scheme for the Self-Employed (VSPSS) and pay less tax.
Get a complementary pension through your company thanks to an individual pension commitment (IPC). 100% tax deductible.
Supplement your pension as an individual with tax advantages through a Supplementary Pension Agreement for the Self-Employed (SPAS).
| 4 fourth pillar |
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Progressively build pension capital with voluntary saving in the form of life insurance and invest in property
| Registered doctor (activity threshold) | Registered doctor (lower threshold) |
|---|---|
| 4.941,34 € | 2.330,95€ |
| Registered dentist |
|---|
| 2.382,60€ |
| Full time | 3/4 time | 1/2 time |
|---|---|---|
| 2.966,73€ | 2.225,05€ | 4.483,37€ |
| 1500 services 36000 average value | 2300 services 55200 average value | 3000 services 72000 average value | + 6500 services 156000 average value |
|---|---|---|---|
| 1.468,30€ | 1.940,25€ | 2.595,75€ | 0€ |
| 900 Prestations 15750 val R | 2000 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€ |
| Regular VSPSS | Social VSPSS |
|---|---|
| 3.291,30€ | 3.786,81€ |
| 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. |
| 25% tax deduction | 30% tax deduction |
|---|---|
| 1.270€ | 990€ |
| 30 % maximum deductible amount |
|---|
| 2.350€ |
| 5% average yield | Bank SICAV | Savings 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?
