{"id":7559,"date":"2024-11-19T09:48:42","date_gmt":"2024-11-19T09:48:42","guid":{"rendered":"https:\/\/www.gbwoluwe.be\/jouw-leven-jouw-plannen\/"},"modified":"2024-12-02T10:58:04","modified_gmt":"2024-12-02T10:58:04","slug":"jouw-leven-jouw-plannen","status":"publish","type":"post","link":"https:\/\/www.gbwoluwe.be\/en\/jouw-leven-jouw-plannen\/","title":{"rendered":"Your life. Your plans."},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1733135427987{margin-top: 0px !important;}&#8221;]<\/p>\n<h3><strong><span style=\"color: #0698c4;\">Save for your pension with KBC<\/span><\/strong><\/h3>\n<h4>Made easy for you:<\/h4>\n<p>[\/vc_column_text][vc_message message_box_style=&#8221;outline&#8221; style=&#8221;square&#8221; message_box_color=&#8221;grey&#8221; icon_fontawesome=&#8221;fas fa-check&#8221; css=&#8221;.vc_custom_1733135435356{margin-top: 30px !important;}&#8221;]Choose between a pension savings fund or a pension savings insurance plan[\/vc_message][vc_message message_box_style=&#8221;outline&#8221; style=&#8221;square&#8221; message_box_color=&#8221;grey&#8221; icon_fontawesome=&#8221;fas fa-check&#8221; css=&#8221;.vc_custom_1733135441402{margin-top: -30px !important;}&#8221;]Specify the maximum\u00a0amount you want to save, 1,020 euros or 1,310 euros per year.[\/vc_message][vc_message message_box_style=&#8221;outline&#8221; style=&#8221;square&#8221; message_box_color=&#8221;grey&#8221; icon_fontawesome=&#8221;fas fa-check&#8221; css=&#8221;.vc_custom_1733135446868{margin-top: -30px !important;}&#8221;]Set up your plan with just a few taps in KBC Mobile and start saving from as little as 10 euros a month[\/vc_message][vc_btn title=&#8221;Read all about pension savings&#8221; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;info&#8221; size=&#8221;lg&#8221; align=&#8221;left&#8221; css=&#8221;.vc_custom_1733135760045{margin-top: 30px !important;}&#8221; link=&#8221;url:https%3A%2F%2Fwww.kbc.be%2Fretail%2Fen%2Fpension-saving.html|target:_blank&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1732008814589{margin-top: 30px !important;}&#8221;]<img decoding=\"async\" class=\"alignnone size-full\" src=\"\/wp-content\/uploads\/202411-pensioen-03sq.jpg\" alt=\"\" width=\"100%\" height=\"auto\" \/>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1733135486472{margin-top: 0px !important;}&#8221;]<\/p>\n<h3><strong><span style=\"color: #0698c4;\">Why save for your retirement?<\/span><\/strong><\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1733135497804{margin-top: 30px !important;}&#8221;]<\/p>\n<h3><b>Pay less tax<\/b>.<\/h3>\n<p>When you save for your pension, you set aside an amount each year. Depending on the maximum tax-deductible amount you choose, you earn a tax benefit of up to 30% on your deposits the following year.<\/p>\n<p>You can choose between two options:<\/p>\n<ul>\n<li>The\u00a0<b>standard amount<\/b>\u00a0is maximum 1,020 euros in 2024. You earn a tax benefit of 30% on your deposited amounts, or 306 euros per year.<br \/>\nPlease note that if you save less, you will not receive the full tax benefit. The benefit applies to the amounts actually deposited.<\/li>\n<li>If you want to build up\u00a0<b>extra pension capital<\/b>, you can choose for a maximum of 1,310 euros\u00a0in 2024. You earn a tax benefit of 25% on your deposited amounts, or 327.50 euros per year.<br \/>\nPlease note that if you choose this option, be sure to save at least 1,224 euros, otherwise you earn less tax benefit than if you choose 1,020 euros.<\/li>\n<\/ul>\n<h3>Supplement your state pension<\/h3>\n<p>There is every chance that your state pension won&#8217;t be enough to maintain your lifestyle when you retire. Pension saving is one way to supplement your state retirement pension.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1733135506662{margin-top: 0px !important;}&#8221;]<\/p>\n<h3><strong><span style=\"color: #0698c4;\">The return you could get on your pension savings<\/span><\/strong><\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1733135774849{margin-top: 30px !important;}&#8221;]The return depends on several things, including the product you go for:<\/p>\n<h3>Pension savings fund<\/h3>\n<p>A\u00a0<strong><a href=\"https:\/\/www.kbc.be\/retail\/en\/pension-saving\/pension-savings-fund.html\" target=\"_blank\" rel=\"noopener\">pension savings fund<\/a><\/strong>\u00a0invests in shares and bonds and is therefore susceptible to fluctuations on the financial markets.<\/p>\n<p>The advantage: you have the prospect of\u00a0<b>higher returns<\/b>\u00a0in the long run.<br \/>\nThe flipside: your return and the repayment of the capital sum you invest are exposed to\u00a0<b>market risk<\/b>. You therefore have\u00a0<b>no capital protection<\/b>.<\/p>\n<h3>Pension savings insurance plan<\/h3>\n<p>If you&#8217;re after\u00a0<b>a higher degree of security<\/b>, you&#8217;re better to go for a\u00a0<strong><a href=\"https:\/\/www.kbc.be\/retail\/en\/pension-saving\/pension-savings-insurance-plan.html\" target=\"_blank\" rel=\"noopener\">pension savings insurance plan<\/a><\/strong>. Each deposit you make earns<b>\u00a0a guaranteed rate<\/b>\u00a0of interest right up until your contract ends. In addition, the insurance company may also pay a profit share, but that depends on its results and therefore is not guaranteed.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1732008853905{margin-top: 30px !important;}&#8221;]<img decoding=\"async\" class=\"alignnone size-full\" src=\"\/wp-content\/uploads\/202411-pensioen-02.jpg\" alt=\"\" width=\"100%\" height=\"auto\" \/>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1732008995638{margin-top: 20px !important;margin-bottom: 0px !important;border-top-width: 3px !important;border-right-width: 3px !important;border-bottom-width: 3px !important;border-left-width: 3px !important;padding-top: 0px !important;padding-right: 40px !important;padding-bottom: 20px !important;padding-left: 40px !important;border-left-style: dashed !important;border-right-style: dashed !important;border-top-style: dashed !important;border-bottom-style: dashed !important;border-color: #1ea4bf !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2><strong><span style=\"color: #0698c4;\">The costs when saving for your pension<\/span><\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<ul>\n<li>\u00a0Every time you pay into your plan, you pay\u00a0<b>entry charges<\/b>. This applies to both formulas.<\/li>\n<li>If you opt for a pension savings fund, you also pay<b>\u00a0annual management fees,\u00a0<\/b>because the fund invests in shares and bonds and is actively monitored.<\/li>\n<li>For both products, you pay\u00a0<b>a final tax<\/b>, usually on your 60th birthday. If you start saving for your pension after turning 55, you have to pay that tax after 10 years.<\/li>\n<\/ul>\n<p>Note, however, that the exact amount of tax you pay will depend on your individual circumstances and can change in the future. For more information (including on the\u00a0<strong><a href=\"https:\/\/www.kbc.be\/retail\/en\/pension-saving\/final-tax-on-pension-savings.html\" target=\"_blank\" rel=\"noopener\">final tax charge<\/a><\/strong>), feel free to\u00a0<strong><a href=\"\/contacteer-ons\">contact<\/a><\/strong>\u00a0us.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1732008975296{margin-top: 0px !important;}&#8221;][vc_column][vc_row_inner gap=&#8221;30&#8243;][vc_column_inner][vc_btn title=&#8221;Start to save for your pension&#8221; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;info&#8221; size=&#8221;lg&#8221; align=&#8221;right&#8221; css=&#8221;.vc_custom_1733135804817{margin-top: 30px !important;}&#8221; link=&#8221;url:%2Fcontacteer-ons&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1714380805611{margin-top: 40px !important;padding-right: 40px !important;padding-bottom: 20px !important;padding-left: 40px !important;background-color: #ededed !important;}&#8221;][vc_column offset=&#8221;vc_hidden-xs&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #003665;\">Do you have any questions? We are here to help!<\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"text-align: center;\">We, the employees of your trusted KBC office, remain there for you.<\/p>\n<p style=\"text-align: center;\"><strong>Together we form a team of experts to help you, where and when you want!<\/strong><\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;CONTACT US&#8221; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;info&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css=&#8221;&#8221; link=&#8221;url:%2Fcontacteer-ons%2F|target:_blank&#8221;][vc_raw_html]JTNDc3R5bGUlM0UlMEElMEEudmNfY29sb3ItZ3JleS52Y19tZXNzYWdlX2JveC1vdXRsaW5lJTJDJTIwLnZjX2NvbG9yLWdyZXkudmNfbWVzc2FnZV9ib3gtc29saWQtaWNvbiUyMCU3QiUwQSUyMCUyMCUyMCUyMGJvcmRlci1jb2xvciUzQSUyMCUyM2ZmZmZmZiUzQiUwQSU3RCUwQSUwQSUzQyUyRnN0eWxlJTNF[\/vc_raw_html][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>You\u2019re no doubt concerned about your future and the planet\u2019s too. Just like we are at KBC. That\u2019s why we only offer responsible &#8230;<\/p>\n","protected":false},"author":11,"featured_media":7560,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[],"class_list":["post-7559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kbc-nieuws"],"_links":{"self":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts\/7559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/comments?post=7559"}],"version-history":[{"count":2,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts\/7559\/revisions"}],"predecessor-version":[{"id":7572,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts\/7559\/revisions\/7572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/media\/7560"}],"wp:attachment":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/media?parent=7559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/categories?post=7559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/tags?post=7559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}