{"id":13464,"date":"2023-11-05T23:27:21","date_gmt":"2023-11-05T22:27:21","guid":{"rendered":"https:\/\/quercus-rc.be\/?page_id=13464"},"modified":"2023-11-29T13:08:36","modified_gmt":"2023-11-29T12:08:36","slug":"epargne-fiscale","status":"publish","type":"page","link":"http:\/\/quercus-rc.be\/en\/epargne-fiscale\/","title":{"rendered":"Tax Savings"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"13464\" class=\"elementor elementor-13464\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c1ac24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c1ac24\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-002895d\" data-id=\"002895d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b3f39f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b3f39f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dd86bbd\" data-id=\"dd86bbd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69e4761 elementor-widget elementor-widget-sectiontitle\" data-id=\"69e4761\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t\t\t\t<div class=\"style-three\">\r\n\r\n\t\t\t\t<div class=\"section-title t_center\">\r\n\t\t\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t<h3>Preparing for your future and retirement with a tax boost<\/h3>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\r\n\r\n\t\t\t\t<\/div>\t\r\n\r\n\t\t\t<\/div>\r\n\r\n\t\t\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65c9ddf elementor-widget elementor-widget-text-editor\" data-id=\"65c9ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><p>Belgians rightly believe that their pensions are or will be insufficient to live comfortably. The current financial system seems very unstable and is facing crises that could undermine our social gains in the future.  That is why we should not rely exclusively on the State. You also need to think about solutions that will provide you with a minimum level of financial security when you are no longer able to work.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa9791a elementor-widget elementor-widget-heading\" data-id=\"aa9791a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Taxable or non-taxable? Branch 21 or Branch 23?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c46da8c elementor-widget elementor-widget-text-editor\" data-id=\"c46da8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Non-tax savings are life insurance policies consisting of a combination of a formula with a guaranteed return from the insurance company (branch 21) and\/or a formula offering a return linked to investment funds (branch 23). The branch 23 portion does not offer any guarantee of return or capital, but has the potential to generate higher returns than traditional banking products.<br \/><br \/>Tax savings use the same vehicles but benefit from a tax reduction through two vehicles:<\/p><p style=\"font-weight: 400;\">The pension savings plan allows you to pay premiums into a tax-free basket until you reach retirement age, subject to certain conditions:<\/p><ul><li>You must be at least 18 years old and you can make a final payment no later than 31 December of the year you turn 64.<\/li><\/ul><ul style=\"font-weight: 400;\"><li>The tax reduction only applies if you save for at least 10 years. Starting before your 55th birthday is optimal but not mandatory.<\/li><li>Your insurance contract must name you as the beneficiary and, in the event of death, your relatives up to the second degree plus your spouse or legal cohabitant. This means that if you do not have relatives in this order, you cannot take out pension insurance. For example, you cannot name your de facto cohabitant as the beneficiary.<\/li><li>The basic ceiling, which is \u20ac990 maximum (in 2023): this gives you a 30% tax reduction.<\/li><\/ul><p style=\"font-weight: 400;\">The long-term savings plan allows you to pay premiums into a tax-free basket until you reach retirement age, subject to certain conditions:<\/p><ul><li>You must receive net taxable professional income in Belgium that exceeds the sum of your non-taxable income.<\/li><\/ul><ul style=\"font-weight: 400;\"><li>The contract must have a minimum term of 10 years.<\/li><li>You must take out the policy before the age of 65.<\/li><li>The policyholder must be the same person as the insured and the beneficiary in the event of survival.<\/li><li>The premium ceiling is calculated based on your net income and gives you a 30% tax reduction. It is \u20ac2,350 in 2023.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8e4f4 elementor-widget elementor-widget-heading\" data-id=\"3e8e4f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">One-off payment or recurring payments?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9a94d9 elementor-widget elementor-widget-text-editor\" data-id=\"e9a94d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWhatever your choice, Quercus Risk &amp; Capital will advise you on your investment strategy in light of your objectives, risk aversion and appetite for ESG funds.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f09c466 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f09c466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/quercus-rc.fun\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-info-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">I want to contact Quercus to find out more.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Pour pr\u00e9parer son avenir et sa retraite avec un coup de pouce fiscal Les Belges pensent \u00e0 raison que leur pension est ou sera insuffisante pour vivre correctement. Le syst\u00e8me [&hellip;]<\/p>\n","protected":false},"author":103368776,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-default.php","meta":{"_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"footnotes":""},"class_list":["post-13464","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PgPayC-3va","jetpack-related-posts":[],"_links":{"self":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages\/13464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/users\/103368776"}],"replies":[{"embeddable":true,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/comments?post=13464"}],"version-history":[{"count":5,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages\/13464\/revisions"}],"predecessor-version":[{"id":14200,"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/pages\/13464\/revisions\/14200"}],"wp:attachment":[{"href":"http:\/\/quercus-rc.be\/en\/wp-json\/wp\/v2\/media?parent=13464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}