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.

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.