Your pension: will it really be enough?
Have you ever calculated how much you will receive when you retire?
An underestimated reality
Most working people hope to maintain their standard of living once they retire. However, the statutory pension is capped and remains limited. Self-employed workers earn an average of €1,500 gross. (Useful reference: SPF Finances)Why anticipate?
In retirement, income must continue to cover:- current expenses (housing, energy, insurance),
- life plans (travel, leisure, activities),
- and above all, healthcare costs, family support, etc.
Ways to supplement your pension
Supplementary pension
PLCI : intended for self-employed individuals, with tax-deductible premiums and capital available upon retirement. EIP : life insurance providing a lump sum at retirement and/or in the event of premature death. Pension savings : Available to all workers, nearly 40% of Belgians use it. It allows you to build up capital for retirement, while offering an immediate tax advantage. Long-term savings Long-term savings are complementary to pension insurance. You can therefore combine your pension savings with life insurance.Free savings
The 4th pillar free savings plan combines your personal investments without direct tax benefits, but offers complete freedom and potential returns to supplement your pension.Real estate investments
A diversified strategy that remains one of the best ways to generate additional income.The key: a personalized simulation
The first step is to know exactly how much will be paid out in retirement. A simulation can be used to measure the gap between future income and actual needs, and then to adapt a savings or investment strategy based on each individual's profile, status, and objectives. RGF can offer you all of the solutions presented above and optimize them to support you in your real estate investments or personal projects. We also implement customized solutions: in the event of incapacity for work, all of your savings can be covered.Plan ahead to enjoy your retirement
Retirement cannot be improvised. The earlier you start preparing, the less financial effort is required and the greater the chances of maintaining your standard of living.I would like a free quote
Fill out the form below to receive a personalized offer: