Is the second pillar pension still worth the effort? Are tighter checks on the 80% rule a real obstacle? Do alternative solutions promise better returns? Or has the statutory pension now become generous enough to rely on?
"},"textLinks":[{"url":"/en/business/insurance/supplementary-pension-company","text":"Read more about it!"}],"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/dbd3a772-7470-4ae9-95ca-0d3a9e69c4fe/pension","original":"https://assets.ing.com/m/7c41918a32e2162/original/pension.png","extension":"png"}},{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"Pension plan for self-employed
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/5455fc3f-9953-4879-925c-06db6daa2665/Savings_goals-Pig_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/322ddaa7a44e9598/original/Savings_goals-Pig_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"Free Supplementary Pension for the Self-Employed (FSPSE)","richBody":{"value":"As a self-employed person, it is best to provide a supplementary capital on top of your statutory pension. With the Free Supplementary Pension for the Self-Employed (FSPSE) you can build up a nice pension capital for later and already pay less taxes and social security contributions today.
"},"textLinks":[{"url":"/en/business/insurance/pension-self-employed-business","text":"Learn more"}]}]},{"title":{"value":"Pension plan for self-employed company director
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/b7ac7e46-b8bc-415b-87e0-d1307d153968/Insurance-Mountain_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1e1ec2f939e5a5d/original/Insurance-Mountain_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"Individual Pension Commitment (IPC)","richBody":{"value":"Save for your pension through your company. As a self-employed company director, you can save for an attractive pension plan via the Individual Pension Commitment. The premiums of your pension plan are paid by your company and are fiscally advantageous.
"},"textLinks":[{"url":"/en/business/insurance/professional-pension-company-director","text":"Learn more"}]}]},{"title":{"value":"Supplementary pension plan for self-employed without a company
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/b12756dc-dfbc-40fc-b817-97056e47deee/Transactions-Transfer_In_Euro_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/5ef05f9a972160ad/original/Transactions-Transfer_In_Euro_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"Pension Agreement for the Self-Employed (PASE)","richBody":{"value":"If you are a self-employed person without a company or their assisting spouse or helper you now have the possibility to save for a higher pension thanks to the Pension Agreement for Self-employed Persons (PASE). This solution offers tax advantages as well as protection for the insured and their family.
"},"textLinks":[{"url":"/en/business/insurance/pension-agreement-self-employed","text":"Learn more"}]}]},{"title":{"value":"Finance your tax prepayment
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/29b6c4c7-d083-4dd9-94f2-4991967262d0/Functionalities-Refresh_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6f408b79a4592f6d/original/Functionalities-Refresh_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"ING Tax Prepayment Loan","richBody":{"value":"With the ING Tax Prepayment Loan, you can either borrow the full estimated amount or only a portion. In both cases ING ensures that your taxes are paid on time while your cash flow remains intact. If you're an ING customer, you can apply online for loan amounts starting at 1,250 euros with fixed monthly instalments and no arrangement fee.
"},"textLinks":[{"url":"https://ebanking.ing.be/banking/business-lending/instant-lending?EW=true","text":"Simulate or apply"},{"url":"/en/business/financing/tax-prepayments","text":"How does it work?"},{"url":"/en/business/financing/tax-prepayment-self-employed","text":"Why to do it?"}]}]},{"title":{"value":"Finance annual bonuses for your employees
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6716bef44a00873b/original/Transactions-Payment_Request_Euro_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"ING Financing of Annual Bonuses","richBody":{"value":"If you pay your employees an annual bonus, chances are this puts significant pressure on your cash flow. ING Financing of Annual Bonuses lets you spread the repayment of this recurring cost over the entire year, freeing up your working capital for other investments. Borrow from as little as 2,000 euros.
"},"textLinks":[{"url":"https://ebanking.ing.be/banking/business-lending/instant-lending?EW=true","text":"Simulate or apply"},{"url":"/en/business/financing/recurring-expenses-annual-bonuses","text":"Learn more"}]}]},{"title":{"value":"Are you a starter? Take tax advantage of your prepayments
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/0e740daa-8e1d-440c-8ff2-ba1cbd0398cd/Other-Simba_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/307d43b8cceaaf6a/original/Other-Simba_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"Get a tax benefit from your advance payments","richBody":{"value":"Although you are not required to make advance payments when starting out as a self-employed professional, you can benefit from a tax advantage.
"},"textLinks":[{"url":"/en/business/financing/tax-prepayment-self-starters","text":"Learn more"}]}]},{"title":{"value":"Support the audiovisual sector, the performing arts and gaming.
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/b129c892-3ef8-4c7c-8377-2934c7490834/Functionalities-Microphone_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/65075f435a305570/original/Functionalities-Microphone_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","title":"Tax Shelter","richBody":{"value":"
Would you like to invest your money and receive a conditional and provisional 421% tax exemption in the fiscal period of the subscription of the Tax Shelter Certificate? Tax Shelter makes it happen!
"},"textLinks":[{"url":"/en/business/save-and-invest/tax-shelter-investment","text":"Learn more"}]}]}]}]}}}