Pension Invest Plan – PCLI/VAPZ

The statutory pension for the self-employed is very limited. Fortunately, you can build your own tax-efficient nest egg.

What is the Private Supplementary Pension for the Self-Employed (PLCI/VAPZ)?

The Pension Invest Plan with a Private Supplementary Pension for the Self-Employed (PLCI/VAPZ) is a tax-efficient pension savings plan with a Branch 21 insurance product by AG insurance. Each year, you set aside an amount that will generate a guaranteed annual interest.

Benefits

  • Guaranteed interest until the end of the policy.
  • Certainty: You steadily build a comfortable pension.
  • Fiscally attractive: The paid premiums fall under professional expenses, on which you pay less tax.
  • Advantageous: You will have lower social security contributions.
  • Convenient: AG Insurance will handle the annual tax optimisation. All you need to do is communicate your reference income each year.
 

 
  

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The tax administration has set the upper limit of your Pension Invest Plan with PLCI/VAPZ at 8.17% of your index-linked net taxable earned income of 3 years ago. This is usually stated on the first quarterly payment notice showing the suggested provisional social security contributions to your social security fund. The absolute upper limit is EUR 3,060.07 for 2016.

If you opt for the fiscal maximum, all you need to do is communicate your reference income each year. This allows us to ensure that you can enjoy the highest possible tax benefits each year.

 

If you want to save a little less than the maximum, you can opt for a lower percentage of your reference income or you can choose a fixed amount.

We invest all your premiums at the guaranteed current interest rate applicable at the time of deposit. Every individual premium offers an extra return, which will contribute towards your final capital.

 

You are also entitled to possible profit-sharing each year which will directly increase your final capital. Profit-sharing is not guaranteed and may fluctuate depending on the economic situation and the operating results of AG Insurance. It is therefore not a reliable indicator of future results.

The premiums you pay are professional expenses that can be deducted from your taxable earned income. They can also lower your social security contributions. You can immediately see the advantages of investing in your Pension Invest Plan with PLCI/VAPZ.

 

It is also easy to complement your Pension Invest Plan with PLCI/VAPZ with other fiscal products, such as a Pension Invest Plan with Pension Savings, a Pension Invest Plan with Long-Term Savings or – if you have a company – Personal Pension Scheme Compensation.

 

Pension Invest Plan - PCLI/VAPZ (Supplementary Private Pension for the Self Employed) product properties (pdf, FR)Pension Invest Plan - PCLI/VAPZ (Supplementary Private Pension for the Self Employed) leaflet (pdf, FR)

General terms and conditions (pdf, FR)

 

This is in reference to an AG Insurance product, distributed by BNP Paribas Fortis.

 

AG Insurance sa/nv – 53 boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be.
Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 boulevard de Berlaimont, 1000 Brussels
BNP Paribas Fortis sa/nv, 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA under n° 25.879A and acting as a contractually appointed insurance agent on behalf of AG Insurance sa/nv.

 


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