Your pension

The legal pension of a self-employed person is often 50% lower than that of a salaried person. Does that mean you have to pay more? Of course not.

Securex offers you special saving packages for self-employed persons so that you can build up a hefty pension supplement without risk.

• Free Supplementary Pension for Self-Employed
• Pension saving
• INAMI (NIHDI) contract for medical professions
• Individual Pension Commitment (IPT)

Free Supplementary Pension for Self-Employed

The Free Supplementary Pension for Self-Employed is a voluntary, flexible and no-pressure initiative. You decide for yourself how much to save, and how often.

For whom?
Every self-employed person in primary or secondary capacity (if he pays contributions as a main profession) who has not yet reached retirement age, can sign up to Free Supplementary Pension for Self-Employed as long as all necessary social security payments have been paid. Helpers and assisting partners can also enjoy the benefits of the Free Supplementary Pension for Self-Employed.

Your benefits

• Outstanding financial protection: with insurance cover adapted to your situation and needs.
• Immediate profit: it is tax deductible, which reduces your professional income, so that you pay even fewer social security contributions.
• Integrated service: register with Securex Integrity Social Security Fund and be assured that your supplementary pension is attuned to your real income. That’s how Securex works out the right premium for your Free Supplementary Pension for Self-Employed.

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Pension saving

You contribute whatever and whenever you want.
Decide for yourself when and how much to save. The only restriction is the annual ceiling of €880. You can start on your 18th birthday and continue contributing until you are 64. Even if you no longer have an income.

High interest
Securex guarantees an annual interest rate of 3.25% on the premiums already deposited until the final date of the contract. And that’s not all! You get a share in our profit. If you die before the final date of your pension saving contract, the accrued capital is paid out to your named beneficiaries.

Tax benefits
Thanks to the annual tax deductible, you recover up to 40% of the premiums you have paid in. Your profit sharing is also completely tax-free. There’s only 1 condition: you have to pay premiums for at least 5 years.
Pension saving is a perfect partner to your Free Supplementary Pension for Self-Employed.

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INAMI (NIHDI) contract for medical professions

As a National Health Service doctor, dentist, pharmacist or physiotherapist you benefit from an annual contribution from the National Institute for Health and Disability Insurance (NIHDI). The contribution is tax-free, but must be invested in a contingency plan that also covers a number of social risks. Have you already considered wisely investing this money? The Securex NIHDI contract increases your pension.

As a National Health Service independent caregiver you can use this annual contribution for:

• financing your supplementary pension;
• subscribing to a guaranteed income in case of sickness or accident;
• or a combination of the two.

Choose the NIHDI contract from Securex [niet vertalen: link naar contactform Starters] and draw up a contingency plan that is fully financed by your contributions.

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IPT

A personalised contingency plan to meet your needs. And tax deductible? Don't hesitate for a moment longer: build up your supplementary pension via your own company. And enjoy a whole range of benefits.

Your company subscribes to a life insurance policy in favour of the self-employed business owner. That person is simultaneously the insured and the beneficiary. And enjoys the acquired rights to his pension capital. The insurance is thus personalised. Both for the amount of cover and for the subscribed guarantees (supplementary pension, capital in the event of death for the designated beneficiaries, interest payments in the event of disability as a result of sickness or accident).

Advantages for the business owner

• premiums paid by your company: no consequences for your personal tax .
• more fiscally interesting than increased salary: lower social security contributions.
• premiums are not professional income but supplementary pension; the accrued capital is subject to a favourable tax bracket at retirement age (10% upon payout at the legal retirement age of 65 or 16.5% if it is taken earlier).
• IPT can be used to obtain property in the European Economic Area (EEA); you can use your money from your company to buy a second home or carry out major renovation work.
  You can do that by:
  • withdrawing a deposit on the accrued savings credit;
  • pledging the pension capital to a financial institution (in the context of a mortgage).

Advantages for the business

• premiums are tax deductible as professional costs, taking into account the fiscal 80% rule (and Securex looks after this).
• accrued final capital paid directly to the business owner;
• accrued capital can be used at any moment by the business owner, even in the event of bankruptcy of his business.
• with an IPT you can make extra catch-up payments within the scope of the fiscal limits (a fiscal optimisation is possible here during the accounting years when the business owner wants to incur additional costs). It is also a very advantageous fiscal tool if your monthly salary increases, or if you subscribe to an individual pension commitment some time after starting up your professional activity.

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