Save with a private supplementary pension for the self-employed

AXA Supplementary Pension Plan for the self-employed

Who is this pension plan for?

Are you tax resident in Belgium, self-employed full-time or part-time, or an assisting spouse?
Then you can enjoy the double benefits of the PSPS for a minimum period of five years and pay in up to your 65th birthday, or longer if you are still working and paying social security contributions. The minimum term of your policy is five years.

You pay a 1% management fee and a maximum of 5% in entry fees on each premium paid.

Reduce your tax and social security contributions

  • Take advantage of the tax breaks: You can deduct the amount of the premiums you pay in as business expenses. Since the premiums are tax-deductible, your professional income, which serves as the basis for calculating your future social security contributions, is also reduced.
  • Reduce your future social security contributions: Since your premiums are tax-deductible, your professional income, which serves as the basis for calculating your social security contributions, is also reduced.

You choose how often you pay in

  • You can choose to pay premiums monthly, quarterly or annually. The minimum amount is 100 euros annually and 50 euros per deposit. The maximum amount is node=/RATES/VAPZ/MAX_STORT;replace=html euros per year (node=/RATES/GENERAL/INCOME_YEAR;replace=html income – node=/RATES/GENERAL/TAX_YEAR;replace=html tax year)*.

Either a guaranteed return or a potentially higher return

Choose between 2 formulas:

  • A guaranteed interest rate of node=/RATES/IBPP/GEW_RENTE;replace=html% or a potential return under the branch 21 life insurance "Stars for life secure". Your cash deposits are invested passively in a fund that tracks the performance of a bond index as closely as possible.
  • A possibly higher return in the long term under the branch 21 life insurance, "Stars for life crest". The return is not guaranteed and depends on the performance of the fund to which the life insurance is linked. This fund actively invests in bonds. This means that the managers are constantly seeking to improve the composition of the portfolio to maximise your return.

Calculate your PSPS and discover how much you could save on your taxes and social security contributions in the future.

* A guaranteed interest rate applies to every cash deposit made from 10/01/2016 until this interest rate is changed. Any future cash deposits are capitalised at the guaranteed interest rate in effect at the time of transferring the funds to AXA Belgium NV.

For your next of kin in the event of your death

If you were to pass away unexpectedly, your next of kin would undoubtedly face emotionally difficult times. Difficulties that would only be compounded by financial worries. For the loss of a loved one often goes hand in hand with a loss of income.

This cover offers you the added peace of mind that your next of kin will receive a sum on your death that will help them get through those difficult first few years.

Contact your ING banker to calculate how much capital you should insure and the corresponding annuity.

Would you like to know more? Read the General Terms and Conditions for financial protection in the event of death (PDF).

For you and your family in the event you become unfit for work:

With this extra cover, you are protected against loss of income in the event you become unfit for work due to illness or accident. In addition to any social security benefits, you will be paid an annuity to compensate you and your loved ones for the loss of your income. The amount depends on the level of your incapacity. So, you can continue to pay into your pension savings plan in the meantime.

The risk of becoming unfit for work varies for each profession. That is why we offer cover that is suited to your budget and your desired level of cover.

Contact your ING banker to calculate how much capital you should insure and the corresponding annuity.

Would you like to know more? Read the General Terms and Conditions for financial protection in the event of incapacity for work (PDF).

Not 100% satisfied?

Contact ING Complaint Management by post to Cours Saint-Michel / Sint-Michielswarande 60, 1040 Brussels, by calling +32 2 547 61 02 or via e-mail to plaintes@ing.be.

If you have already been in contact with ING, you can also contact the ombudsman for banking disputes: Ombudsfin, North Gate II. Boulevard du Roi Albert II / Koning Albert II-laan 8. 1000 Brussels, by calling +32 2 545 77 70 or via e-mail to ombudsman@ombudsfin.be.

More information

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