{"id":93926,"date":"2024-09-20T11:42:38","date_gmt":"2024-09-20T09:42:38","guid":{"rendered":"https:\/\/dexxter.be\/types-of-supplementary-pension-for-the-self-employed\/"},"modified":"2026-05-15T13:20:37","modified_gmt":"2026-05-15T11:20:37","slug":"types-of-supplementary-pension-for-the-self-employed","status":"publish","type":"post","link":"https:\/\/dexxter.be\/en\/blog\/types-of-supplementary-pension-for-the-self-employed\/","title":{"rendered":"Types of supplementary pension for the self-employed"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">The Private Supplementary Pension for the Self-Employed (VAPZ)<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The VAPZ is a popular pension savings formula for self-employed people in main occupation.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each year, you can deposit a maximum of 8.17% of your taxable income into the (ordinary) VAPZ, with a ceiling of \u20ac3,965.77 in 2024.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Are you self-employed in secondary occupation? Then you can still make use of it if you pay sufficiently high social security contributions. You must then be enabled as a self-employed person for at least 3 years and paid at least \u20ac3,562.04 (2024) yearly in social security contributions (the main occupation minimum).<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Pension Agreement for the Self-Employed (POZ) \u2696\ufe0f<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Have you reached the maximum amount for your PSPS but want to continue saving for your pension? Then the POZ is an excellent supplementary option for all self-employed people. With as the same condition as the PSPS.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.kbc.be\/business\/en\/products\/insurance\/insuring-yourself-and-your-staff\/your-family\/poz.html?zone=topnav\" target=\"_blank\" rel=\"noopener\">Find out more about the POZ here!<\/a><br><\/p>\n\n\n<style>.kb-row-layout-id55525_b13254-fe > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id55525_b13254-fe > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id55525_b13254-fe > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:826px;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id55525_b13254-fe{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;overflow:clip;isolation:isolate;}.kb-row-layout-id55525_b13254-fe > .kt-row-layout-overlay{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kb-row-layout-id55525_b13254-fe{background-color:#f0f4ff;}.kb-row-layout-id55525_b13254-fe > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id55525_b13254-fe > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-id55525_b13254-fe > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id55525_b13254-fe alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-right-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column55525_79090d-d8 > .kt-inside-inner-col{display:flex;}.kadence-column55525_79090d-d8 > .kt-inside-inner-col,.kadence-column55525_79090d-d8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55525_79090d-d8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55525_79090d-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55525_79090d-d8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column55525_79090d-d8{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_79090d-d8{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_79090d-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55525_79090d-d8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55525_79090d-d8{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column55525_79090d-d8{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_79090d-d8{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_79090d-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column55525_79090d-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column55525_79090d-d8{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_79090d-d8{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_79090d-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55525_79090d-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55525_79090d-d8\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/dexxter.be\/wp-content\/uploads\/2024\/06\/13.png\" alt=\"\" class=\"wp-image-30304\"><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column55525_591a96-81 > .kt-inside-inner-col,.kadence-column55525_591a96-81 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55525_591a96-81 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55525_591a96-81 > .kt-inside-inner-col{flex-direction:column;}.kadence-column55525_591a96-81 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column55525_591a96-81 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55525_591a96-81{position:relative;}@media all and (max-width: 1024px){.kadence-column55525_591a96-81 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column55525_591a96-81 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55525_591a96-81\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Curious about which insurances are tax deductible?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then view our <a href=\"http:\/\/dexxter.be\/en\/tax-deductible-insurance-for-self-employed-in-main-occupation\/\" data-type=\"post\" data-id=\"54575\">list of tax-deductible insurance for self-employed people in main occupation<\/a>!<br><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pension savings: options for everyone<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Besides the VAPZ and POZ, there is also the classic formula of pension savings. This form of supplementary pension savings is open to all Belgians, whether you are self-employed or not.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2024, you can deposit up to \u20ac1,020 per year and enjoy a 30% tax reduction. Those saving up to \u20ac1,310 per year will benefit from a 25% tax advantage. An interesting additional track, especially if you already maximise VAPZ and POZ. For more info, click <a href=\"https:\/\/www.kbc.be\/retail\/en\/pension-saving\/tax-limits.html?zone=topnav\" target=\"_blank\" rel=\"noopener\">here<\/a>.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alternative ways to save<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Besides the tax-friendly pension saving formulas, there are other ways to build up a nice capital for your old age:<br><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investing in real estate, such as your own home \ud83c\udfe1<\/li>\n\n\n\n<li>Investing in shares, bonds or other financial instruments \ud83d\udcb9<\/li>\n\n\n\n<li>Building up business or private wealth \ud83d\udc77<br><br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">While these options offer fewer guarantees than an EAP or POZ, they can also be very profitable under the right circumstances!<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<br><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">By making smart use of the available pension savings formulas such as the PSPS, POZ and classic pension savings, you can build up a nice additional capital on top of your statutory pension.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let an expert assist you in drawing up a well-considered pension plan tailored to your needs. This way, you ensure financial security and peace of mind, so you can fully enjoy your well-earned retirement! \ud83c\udf89<br><br><\/p>\n\n\n<style>.kb-row-layout-id55525_fe06b8-aa > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id55525_fe06b8-aa > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id55525_fe06b8-aa > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:826px;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id55525_fe06b8-aa{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;overflow:clip;isolation:isolate;}.kb-row-layout-id55525_fe06b8-aa > .kt-row-layout-overlay{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kb-row-layout-id55525_fe06b8-aa{background-color:#f0f4ff;}.kb-row-layout-id55525_fe06b8-aa > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id55525_fe06b8-aa > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-id55525_fe06b8-aa > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id55525_fe06b8-aa alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-right-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column55525_f679ab-2f > .kt-inside-inner-col{display:flex;}.kadence-column55525_f679ab-2f > .kt-inside-inner-col,.kadence-column55525_f679ab-2f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55525_f679ab-2f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55525_f679ab-2f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55525_f679ab-2f > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column55525_f679ab-2f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_f679ab-2f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_f679ab-2f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55525_f679ab-2f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55525_f679ab-2f{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column55525_f679ab-2f{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_f679ab-2f{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_f679ab-2f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column55525_f679ab-2f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column55525_f679ab-2f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_f679ab-2f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column55525_f679ab-2f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column55525_f679ab-2f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55525_f679ab-2f\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/dexxter.be\/wp-content\/uploads\/2024\/06\/14.png\" alt=\"\" class=\"wp-image-30303\"><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column55525_88bd83-63 > .kt-inside-inner-col,.kadence-column55525_88bd83-63 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column55525_88bd83-63 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column55525_88bd83-63 > .kt-inside-inner-col{flex-direction:column;}.kadence-column55525_88bd83-63 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column55525_88bd83-63 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column55525_88bd83-63{position:relative;}@media all and (max-width: 1024px){.kadence-column55525_88bd83-63 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column55525_88bd83-63 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column55525_88bd83-63\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Did you know.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Want to learn more about entrepreneurship and accounting? Then be sure to follow a <a href=\"http:\/\/dexxter.be\/zelf-boekhouding-doen-webinars\/\">free webinar<\/a> and\/or <a href=\"http:\/\/dexxter.be\/cursus-zelf-boekhouden-als-eenmanszaak\/\">course<\/a>!<br><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Private Supplementary Pension for the Self-Employed (VAPZ) The VAPZ is a popular pension savings formula for self-employed people in main occupation. Each year, you can deposit a maximum of 8.17% of your taxable income into the (ordinary) VAPZ, with a ceiling of \u20ac3,965.77 in 2024. Are you self-employed in secondary occupation? Then you can [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":93928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[69,67,193,65,66],"class_list":["post-93926","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sole-proprietor","tag-all","tag-landlord","tag-pre-starter","tag-self-employed-in-main-occupation","tag-self-employed-in-secondary-occupation"],"_links":{"self":[{"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/posts\/93926","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/comments?post=93926"}],"version-history":[{"count":1,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/posts\/93926\/revisions"}],"predecessor-version":[{"id":93927,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/posts\/93926\/revisions\/93927"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/media\/93928"}],"wp:attachment":[{"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/media?parent=93926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/categories?post=93926"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dexxter.be\/en\/wp-json\/wp\/v2\/tags?post=93926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}