Comparison belgium pension savings formulas
Now that I have made detailed cases for three tax-advantage pension saving schemes, let’s summarize the three formulas in an easy overview. The detailed posts can be found here: personal pension saving: Individueel Pensioensparen / Epargne Pension VAPZ (Vrij Aanvullend Pensioen Zelfstandigen) / PLCI (Pension Libre Complémentaire pour Indépendants) IPT (Individuele Pensioen Toezegging) / EIP…
Pension Saving / Individueel Pensioensparen / L’épargne pension individuelle – Belgium
What? Save a limited amount of money each year on a dedicated ‘Pension Savings’ account. You get a discount of 30 % on your income taxes.
Current market valuations – Dec 31 2018
Where are we today with the stock market? Cheap, normal, expensive? US versus Europe versus Japan, Australia? Real estate? Gold?
IPT / EIP: “Individuele Pensioen Toezegging” / “Engagement Individuel de Pension” – Belgium
What? A pension saving formula according to belgian law “Individuele Pensioen Toezegging” / “EIP: Engagement Individuel de Pension” Your employer (or your company if you are self-employed) puts money into your personal savings fund instead of paying it directly to you.
VAPZ / PLCI (Vrij Aanvullend Pensioen Zelfstandigen / Pension Libre Complémentaire pour Indépendants)
A VAPZ (Vrij Aanvullend Pensioen Zelfstandigen) / PLCI (Pension Libre Complémentaire pour Indépendants) is a pension savings formula in Belgium for self-employed. This post is my whining on this popular savings vehicle.