Self-employed Worker?
Finance your pension the smart way.

An Personal Individual Pension Account - PIPA - allows to build a complementary capital for your pension while benefiting from substantial tax breaks.

Simulate your IPA

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 PIPA?

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.

FAQ

What is a PIPA?

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.

What advantages does a PIPA bring?

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.

Who can subscribe to a PIPA?

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

How much can you contribute to your PIPA?

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.

How is my PIPA invested at Easyvest?

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.

What are the disadvantages of a PIPA?

It is not possible to withdraw the capital invested in a PIPA before retirement age: your money is therefore blocked for the long term. With one exception: you may withdraw part of your invested capital to finance a real estate project. Besides, other tax-deductible envelopes (e.g. CIPA) may be more attractive fiscally, provided you fulfil the conditions to get access to them.

What is the 80% rule?

This formula allows to calculate the maximum yearly premium you can invest in fiscally attractive pension plans. This rule limits the amount you can receive from your legal pension and your personal pension plans to 80% of your last remuneration. The formula is complex in practice and takes various parameters into account. Start now a pension plan simulation on Easyvest to discover the exact how this rule applies to your situation.

What are the fees and taxes on 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.

Simulate your IPA

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.


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