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Matthieu Remy

Matthieu Remy

18 Sep 2019
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What are the disadvantages of an NIHDI contract?

It is not possible to recover the capital invested in a NIHDI contract before retirement age: your money is therefore blocked for the long term. With one exception: you may recover part of your invested capital to finance a real estate project. Besides, an NIHDI contract can only be invested in Class 21 products with guaranteed returns and hence low returns. It is not allowed to invest in higher return Class 23 products. Finally, it is highly taxed at retirement (around 22% of accumulated capital).

Last updated on 18/09/2019

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