NIHDI Contracted?
Let it finance part of your pension.

You are eligible to receive freely a yearly amount from NIHDI to be invested towards your pension.

Simulate your NIHDI Contract

How does Easyvest work?

01

We listen to your pension goal.

How do you see your dream pension? When would you like to retire? How much will you need to live? How much can you save today?

02

We build your pension plan.

Our algorithms will recommend you a personalized retirement plan that can be fine-tuned with your private advisor.

03

We follow you until retirement.

Once you are set up, we coach you to regularly save into your plan and you monitor your plan evolution on our platform.

What is a NIHDI contract?

The NIHDI contract is a pension plan reserved for health professionals and allowing them to build up capital complementary to their legal pension. This pension plan consists of a tax-deductible life insurance to which the NIHDI contributes and of which the professional is the beneficiary at retirement.

FAQ

What is a NIHDI contract?

The NIHDI contract is a pension plan reserved for health professionals and allowing them to build up capital complementary to their legal pension. This pension plan consists of a tax-deductible life insurance to which the NIHDI contributes and of which the professional is the beneficiary at retirement.

Who can subscribe to an NIHDI contract?

The NIHDI contract is exclusively designed for certain care providers partly or fully contracted to the NIHDI. Doctors, pharmacists, dentists, physiotherapists, speech therapists and nurses are amongst the eligible professionals.

What advantages does an NIHDI contract bring?

First, the premiums are paid directly by the NIHDI hence it can be considered as a donation that you don't have to finance. 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.

How much will the NIHDI contribute each year to my NIHDI contract?

The maximum amount paid by the NIHDI will depend on your professional activity (e.g. doctor of pharmacist), the workload of the year (e.g. number of hours worked) and portion of contracted workload with the NIHDI (full or partial). These amounts can vary each year in function of the sector conventions evolution between the NIHDI and your Joint Committee. Start now a pension plan simulation on Easyvest to discover the exact amount you are entitled to.

How is my NIHDI contract invested at Easyvest?

The premium of your NIHDI contract can only be invested in an insurance offering a guaranteed return and capital (class 21). Profit sharing distributed in excess of the guaranteed return can either be reinvested in 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.

Can I have several NIHDI contracts?

Absolutely. You can have as many NIHDI contracts as you want with several financial institutions. Nevertheless, the NIHDI will contribute to only one institution per year. Each year, the NIHDI will ask you to confirm at which institution they should contribute for the given year.

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).

What are the fees and taxes on a NIHDI contract?

Easyvest charges an entry fee of 0,5%-1% on each premium and a management fee starting at 24€ per year. Besides, 10% of your premium will be deducted and contributed to a solidarity fonds offering basic death and disability coverage. At retirement, you are subject to an exit tax of around 22% of the accumulated capital. Visit our fees page for more detailed information.

I already have a NIHDI contract at another institution, can I transfer it to Easyvest?

Yes, but it is necessary to evaluate whether such a transfer is financially advantageous. Indeed, most insurers charge a transfer fee of up to 5% of the transferred capital. Notwithstanding these fees, the yield increase resulting from the transfer can justify the transaction and quickly offset the transfer costs. It is also always possible not to transfer the accumulated capital, to let it grow until retirement, to no longer contribute in the active NIHDI contract, and to open a new NIHDI contract at Easyvest offering a better return on future premiums.

Simulate your NIHDI Contract

Why choose Easyvest ?

  • You invest like a Nobel Prize winner

    Developed at Harvard, our passive investment approach is based on Nobel Prize winning theories and tends to outperform traditional active managers by 2% per year.

  • You lower your taxes

    To maximize your return, our algorithms structure your assets in an optimal combination of fiscal accounts adapted to your situation (e.g. investment account, IPA)

  • You are assisted by a private advisor

    You enjoy the power of technology and the conviviality of a financial advisor. You manage your account online and your Easyvalet assists you on demand.

team-easyvest

About Easyvest.

Easyvest received the Rise Award of the most innovative company, along with 500.000€, from the Brussels Government to pursue the development of its financial artificial intelligence.

Easyvest, the Belgian Fintech that launched the first automated wealth management website.

As of today, Easyvest can also help you plan for and invest in your pension.

Easyvest developed a digital tool that helps you to better grasp your financial future and your pension.


By pursuing your navigation on this site, you accept the utilization of cookies in order to compute audience statistics and suggest personalized content. Confirm