Pensioen Archives - Invest now

Pension Planning for Expats in Belgium

Pension planning for expats in Belgium: 1st/2nd/3rd pillar eligibility, transferring foreign pensions, and the 35% expat tax regime.

Pension Savings Fund vs Pension Savings Insurance in Belgium: tax credit, returns, costs, and how to choose between fund and tak21/tak23.

Decumulation after retirement for Belgian investors: 4% rule revisited, sequence-of-returns risk, and how to draw down ETFs tax-efficiently.

IPT (Individual Pension Promise) for Belgian company directors: 80%-rule maths, deductibility, and combining IPT with VAPZ in 2026.

VAPZ for the Belgian self-employed: 2026 contribution caps, tax savings, and how it compares to IPT for company directors.

EIP (group insurance) in Belgium: how the 2nd pillar works, employer/employee contributions, vesting, and what to do at retirement.

Tak21 vs Tak23 for Belgian savers: capital guarantee vs ETF-style, tax treatment, costs, and which one fits which goal.

Belgian pension savings €1,050 vs €1,350: the 30% vs 25% tax-credit trap, why €1,050 usually wins, and how to switch correctly.

Pension planning in Belgium: 4 pillars, pensioensparen €1.020/€1.310, EIP, VAPZ, tak21 vs tak23 and tax treatment. Updated for 2026.