How to find a supplementary pension fund in Belgium?

When you are retired in Belgium, it is realistic to think that living solely on your state pension will not be enough. Fortunately, there are options for supplementary pensions. One option is an occupational pension scheme, in which you contribute during your professional career to a supplementary pension fund offered by your employer.

Pension system in Belgium

Belgium has a well-developed pension system, which includes both a basic state pension and supplementary pensions. There is also a voluntary pension scheme for the self-employed.

The state pension is based on your years of work and earnings, and is usually enough to cover your basic needs. However, to maintain a comfortable standard of living, it is advisable to contribute to a supplementary pension fund.

Supplementary pension for employees

If you are an employee, your employer may offer a supplementary company pension plan. This plan is financed by contributions from your salary, generally in collaboration with your employer. These contributions are invested to increase your pension capital, which will be paid to you once you retire.

To find out more about your supplementary pension scheme, you can consult your pension file on the mypension.be website. This file gives you an overview of your state pension and your supplementary pension schemes.

Supplementary pension for self-employed workers

Self-employed workers can also benefit from a supplementary pension through the voluntary pension scheme for self-employed workers. This scheme works in a similar way to that for employees, where you make regular contributions to accumulate additional pension capital.

It is important to note that supplementary pensions have tax advantages, meaning you can reduce your tax burden by contributing to these schemes. Consult a financial advisor for personalized advice on the options available to you.

Opinion from our editorial staff

To fill in some omissions, here are answers to the missing information:

1. How to find a specific supplementary pension fund?

- Contact your employer or union for information on supplementary pension plans available in your company.

- Visit the websites of financial institutions and insurance companies in Belgium to search for supplementary pension funds.

- Contact financial institutions or insurance companies directly for information on their supplementary pension schemes.

2. How to join or register for a supplementary pension scheme?

- Contact the supplementary pension fund of your choice to find out the eligibility criteria and membership procedures.

- Check the websites of financial institutions or insurance companies for information on the procedures for registering for their supplementary pension schemes.

- Seek the help of a financial advisor to guide you through the process of joining a supplementary pension scheme.

By following these steps, you will be able to find and join a supplementary pension fund in Belgium. Don't forget to consult a financial advisor for personalized advice tailored to your situation.