The tax collectors office are able to help you with a deductible fiscal supplementary pension, but there are other possibilities to optimize your saved capital:
Let the tax collectors office pay for your supplementary pension
Through individual pension savings you can collect money for your pension on a friendly fiscal manner. In 2006 is an amount of 800 Euro savings (yearly indexed) fiscal deductible. That’s a profit of 240 to 320 Euro, dependent from your taxable wage and family situation. If you invest each year 800 Euro in a pension fund, you will receive around 90.000 Euro gross after 35 years.
Let your company pay for your pension
If your company pays the premiums for your retirement and old age pension insurance, the savings will be kept out your taxable wage and notional amount for your social cost.
Try to get the best out of your company
The money that stays in the company can on a friendly fiscal mode different directions out. A part can be used for current service pension. During several years you will have build up a nice capacity of money in your company.
Gain in clearness from an expert
Private secretaries: some of them are working totally independent and just offering objective advice, but they sell no financial products. There fee is a stable.
Specialized insurance brokers: There fees are commissions on premiums or an expendable fee for a financial plan.
Banks: Sometimes they figure out a financial plan for “good” customers, even completely free.
Visit your notary
A visit to you notary can produce highly decreases for yourself and the descendants. Is your marriage contract tuned to your professional situation? What happens when you or your partner dies? ...
Nowadays a legal pension wouldn’t suffice to guarantee a careless future. It’s obvious that we choose for a systematic current service pension.
Jan
http://www.tijd.be/geld_beleggen/vermogensbeheer/artikel.asp?Id=2188144
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