Take fate into your own hands - secure a good retirement through retirement savings.

Where financial planning and dreams come together.

Pension savings

Secure a good pension through retirement savings - take your fate into your own hands. Materné will be happy to guide you through the options.

Pension savings - the government's tax showpiece.

Retirement savings ensure that you build up a nice financial savings pot for retirement during your career.
At the same time, you will get a significant percentage of the amount saved back through your personal income tax every year.

Why insurance pension savings?

Financial security - your statutory pension is not satisfactory

Pension savings provide a solid financial foundation for the future. So you enjoy security during your retirement years. You maintain your standard of living and have room to absorb unexpected expenses.

Tax benefits

Pension savings provides tax benefits - a powerful motivation for pension savings

By regularly contributing to a pension fund, you enjoy tax deductions every year. This increases your net income and eases your financial burden.

Compound return

The earlier you start it, the more you enjoy the compounded returns.
In the long run, this yields significant gains. Namely, you will receive returns on your returns.

What does retirement savings insurance cover?

In a pension savings contract, two tax ceilings apply.

  • Per year, you can save up to €1,020 with a tax benefit of 30%
  • Or up to a maximum of €1,310 with a tax benefit of 25%

When designing your retirement savings insurance, the level of risk is a decisive factor. Your choice depends on your risk appetite and investment goals.

  • Go for guaranteed returns without capital risk (Branch 21)
  • Or choose to invest in funds where returns depend on fund performance (Branch 23)

Frequently asked questions

Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?

The earlier, the better.

From the moment you receive a professional income, any contribution entitles you to a tax reduction. As long as you are under 55, you can still start pension savings.

Depending on the amount saved, you are entitled to a tax deduction of 25% or 30% of the amount saved.

Materné will check with you how much tax deduction you are entitled to.

There are several risk classes available within pension savings.

One option is a branch-21 product (capital guarantee with predetermined returns), so you won't face any surprises.

Materné will work with you to see which product best meets your needs and requirements.

A death beneficiary is always included in your pension savings contract.

If you deduct contributions from your retirement savings or long-term savings for tax purposes, you cannot simply designate someone as a beneficiary on death. Your choice is legally limited to:

  • Your spouse
  • The partner with whom you legally cohabit
  • Your child
  • A blood relative to the second degree

At age 60, an anticipatory tax of 8% is applied to the saved reserve.

The final age of a pension savings contract is 65, which means you save the last 5 years of your contract tax-free while enjoying tax deductions.

Other solutions for optimal coverage

Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.

Individual pension commitment for the self-employed (IPT)
An Individual Pension Pledge is designed to build up a supplementary pension over and above the statutory pension scheme for self-employed workers.
The PSPS is a retirement savings formula specifically designed for the self-employed. It is never too late to start saving for a supplementary pension.
Group insurance pension accrual
Group insurance pension accrual offers your employees a supplementary form of remuneration. They acquire financial security on top of their statutory pension.

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