Build your pension as self-employed with a FSP

Easyvest charges an entry fee of 0,5%-1% on each premium and a management fee starting at 24€ per year. At retirement, you are subject to an exit tax of around 22% of the accumulated capital. Visit our fees page for more detailed information.

A Free Supplementary Pension (FSP) is a pension plan reserved for company directors allowing them to build up capital complementary to their legal pension. This pension plan consists of a tax-deductible life insurance to which the company contributes and of which the director is the beneficiary at retirement.

The FSP is exclusively designed for self-employed, i.e. natural persons exercising a gainful professional activity outside the context of a work contract. The Social FSP can also be subscribed by certain workers, amongst others in the healthcare sector.

The maximum amount that you can contribute each year to your FSP is limited to 8,17% of your gross professional income with a cap at 3.256,87€ in 2019. For a Social FSP, this limit is raised to 9,40% and capped at 3.747,19€.

First, premiums of a FSP offer a tax deduction of circa 56% of the amount paid. The exact deduction rate will depend on your remuneration. 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 invested capital can be used to finance a real estate project.

The Social FSP is a FSP of which 10% of the premiums are paid into a solidarity fund offering risk coverage to the beneficiary. These solidarity benefits provide financial compensation in the event of maternity leave, disability for work or premature death. The annual contribution ceiling of a Social FSP is higher than that of the PLCI in order to offset the contribution to the solidarity fund.