Build your pension as self-employed with a PIPA

Easyvest charges an entry fee of 0,5%-1% on each premium and a management fee of starting from 24€ per year. Regarding taxes, we collect for the fiscal administration an entry tax of 4,4% on each premium, as well as an exit tax of around 16% of the capital. Visit our fees page for more detailed information.

The Personal Individual Pension Account (PIPA) is a pension plan reserved for self-employed allowing them to build up capital complementary to their legal pension. This pension plan consists of a tax-deductible life insurance to which the self-employed contributes and of which he is the beneficiary at retirement.

First, premiums of a PIPA offer a tax deduction of 30% of the amount paid, provided that the 80% rule is met. Second, it is a simple and systematic way to save money for your pension and protect this capital in case of financial distress. Third, the accumulated capital can be used to finance a real estate project.

The PIPA is exclusively designed for self-employed, i.e. natural persons exercising a gainful professional activity outside the context of a work contract.

The maximum amount that you can contribute each year to your PIPA is capped according to the "80% rule", a calculation mostly based on your annual remuneration, your age and your career length. Start now a pension plan simulation on Easyvest to discover the exact amount you can contribute.

The capital of your PIPA can be invested either in an insurance offering a guaranteed return and capital (class 21) or in an insurance fund offering no guarantee on the return and capital (class 23) consisting of an index fund (ETF, tracker) investing in global equity. It is possible to combine these two investments to achieve a desired level of risk and to adjust the weights over time in order to secure the accumulated capital close to retirement.