It...
Pension Savings Fund*:
"},"title":"270.000 customers have already chosen pension savings with ING."},{"componentType":"cta","textLink":{"text":"Start saving for your pension","url":"/en/individuals/pension/pension-savings-fund"}},{"componentType":"cta"},{"componentType":"sectionTitle","title":"Complete with a long term savings plan"},{"alignedImage":{"position":"right","extension":"jpg","original":"https://assets.ing.com/m/4d613b2fe735595b/original/Rear-view-of-shirtless-men-on-beach-against-sky.jpg","transformBaseUrl":"https://assets.ing.com/transform/a65a50ec-4b5d-473d-9043-17da76258764/Rear-view-of-shirtless-men-on-beach-against-sky"},"componentType":"paragraph","richBody":{"value":"
Investment insurance Branch 23:
"},"title":"Combine your pension savings plan with a long term savings plan, which are also tax-deductible."},{"componentType":"cta","textLink":{"text":"Estimate your tax benefit","url":"/en/individuals/pension/life-invest-long-term-savings#estimate-your-tax-benefit"}},{"componentType":"cta","textLink":{"text":"Start your long-term saving plan","url":"/en/individuals/pension/life-invest-long-term-savings"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"cards"},{"componentType":"sectionTitle","title":"More about saving for the future"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/m/6d400dbd35609f72/original/Baker-team-with-apprentice-kneading-dough-for-baking.jpg","transformBaseUrl":"https://assets.ing.com/transform/a9c95041-e564-4e93-b1dc-4f94aff81e0b/Baker-team-with-apprentice-kneading-dough-for-baking"},"componentType":"paragraph","richBody":{"value":"
Do you still have questions about pension savings? Such as...
We’re happy to help you further.
"},"textLinks":[{"text":"Everything about your pension."}]},{"componentType":"cards"},{"componentType":"sectionTitle"},{"componentType":"sectionTitle"},{"componentType":"cards"},{"componentType":"sectionTitle"},{"componentType":"cards"},{"componentType":"sectionTitle"},{"componentType":"cards"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Want to have a comfortable retirement? With the pension simulator, you can find out how much you need to save for that.
While you are saving for your pension, you can also benefit from a tax reduction every year up to the age of 64. From the age of 65, you will no longer be able to pay contributions to your pension savings and you will no longer benefit from a tax reduction.
"},"title":"How much should you put aside for your retirement?"},{"richBody":{"value":"Taking out a pension savings plan may entitle you to a tax reduction. This corresponds to a percentage of the amount you saved in the previous financial year.
Example:
The maximum amount that qualifies for tax relief in connection with your pension savings in 2026 is 1,350 euros.
However, be careful not to fall into the tax trap. If you save more than 1,050 euros a year for your pension, your tax benefit will go from 30% to 25%. That means that, if you want to retain more than the 315 euros tax reduction that you receive at 1,050 euros per year, you must save at least 1,260 euros per year.
On your 60th birthday, 8% tax will be deducted from your retirement savings plan. Yes, even if your supplementary pension is not released until the day you actually retire, you are already taxed on your savings at 60. Hence the name 'anticipatory tax'.
The advantage is that retirement savings then become more interesting, because from then on, you save tax-free and still get the annual tax reduction. So feel free to continue saving until your 65.
Yes, you can! You have to wait 10 years to be able to end your pension savings. This means that you must start saving for your pension at the very latest at the age of 55.
Early termination is therefore possible, but it is fiscally detrimental (the capital is taxed at a rate of 33%). You can find more information about this on our page on pension savings.
The costs depend on the pension savings plan you choose. The management fees are always stated in the detail of the plan that you have chosen.
"},"title":"How much management fees do you have to pay?"},{"richBody":{"value":"It's never too late! The earlier you start, the higher the potential return on your savings will be (thanks to the capitalization of interest and income).
There are three conditions for saving for your retirement. You need to:
Discover more info in “When is the best time to start a personal pension plan?”
"},"title":"When is the best time to take out a pension savings plan?"}],"componentType":"accordion"}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextEN":"calculator","altTextNL":"rekenmachine","extension":"png","original":"https://assets.ing.com/m/13f6e98348ab86a5/original/calculate-investment.png","transformBaseUrl":"https://assets.ing.com/transform/80c4c47c-0d87-4aa6-90a9-6c8f8f7ecb1b/calculate-investment","type":"image","width":288},"intro":"Calculate how much you need to save for a comfortable retirement.","link":{"url":"/en/individuals/pension/pension-savings-calculator"},"title":"Pension Calculator"}],"componentType":"cards"}]},"hasMacro":false,"id":"4ccf123b-5d0f-4cc1-b2ab-55562fb97719","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"*Source: Pensionstat.be
**An investment fund is an “undertaking for collective investment” (UCI). The term “Undertaking for Collective Investment” (hereafter referred to as ‘UCI’) is a general term used for an entity, with or without legal personality, that collects capital from the public and invests it collectively in a basket of securities on the principle of risk spread. UCIs are a form of collective portfolio management. The most popular UCIs are SICAVs. However, the term UCI covers a whole range of products of a specific legal nature.
*** General conditions campaign
Star Fund terms & conditions
Long-term savings terms and conditions