The law on self-administered pensions has changed, we’ve got you covered!

A personal pension plan is important for anyone who wishes to have an additional income besides the government’s pension (AOV). It is especially important for you, being an independent entrepreneur, who are not enrolled in a pension plan via an employer as stipulated by the law.

Recently, the law on self-administered pensions has changed and your pension is no longer tax-deductible. Consequently, you will pay more tax and most likely won’t be able to save up for your pension. Don’t worry! Guardian Group offers the solution in which you can continue to enjoy tax benefits.

The Personal Pension Plan for Entrepreneurs is flexible and includes many options, e.g.:

A pension with benefits for:

A monthly pension after retirement until death
Your beneficiaries when you die
Occupational disability
Personal disability

In the case of a retirement pension, there are two options. You can decide your future capital at the start of the pension plan or you can start building your pension capital based of your current monthly saving’s capacity. If you are legally married or have a registered partner and/or children, it is important to ensure they are not left empty-handed should you die before the pension date. In this case, a surviving dependents and/or orphans pension can also be included as part of your pension plan.

Another option is to include a provision in your pension plan that assures that your pension plan payments continue in case you become fully disabled and unable to work. In this case Guardian Group will pick up the tab and pay the premiums until your pension date, assuring protection of your life savings until the day you retire. Additionally, you can include a disability pension in your plan that secures you of a fixed income from the day you are permanently disabled, until the pension date.

But why a pension plan and not traditional saving at the bank, you might ask?

Your pension premiums are (partly) tax deductible. Therefore, with Guardian Group you’re not only getting a good rate of return and a chance to earn a profit share, you also get a tax break. All of the above mentioned are something a traditional savings plan your bank cannot match.

Contact our experienced Guardian Group pension specialist today for more information about the benefits of a flexible entrepreneurial pension according to your personal situation and needs. We like to help you!