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As a self-employed person with a company, you can build up a supplementary pension through an individual pension agreement (IPA), but the historically low rates affect the return. Let us explain how you can benefit from a better return for your IPA. Due to the low interest rates, the returns for...

Giving property as a gift in Wallonia may be more advantageous as of 1 September 2018. Two measures are now in force, with a decrease in gift tax and an additional incentive for people who carry out energy savings works. Decrease in gift tax The Walloon Region has lowered the property gift tax...

People who work do not necessarily work full time. A significant part of the working population has part-time jobs. Working part-time may be a choice, and may also be a way to avoid unemployment. Some people work their entire career part-time, other people do so for a given period, for example when...

You can find out here how a divorce can affect a person who has worked. Now, let us examine the issue from the point of view of the spouse of the person who has worked. How does this affect the pension of the spouse who has (almost) never worked? Let us take the following situation as an example: a...

We have discussed the survivor's pension or transition allowance which a widow/widower who is still working is entitled to in the event of the death of his/her spouse. But what happens if the beneficiary is retired ? There are two possibilities in this case. SEPARATE PENSIONS In the first case,...

You make payments towards your pension savings plan for many years, but die before being able to take advantage of it. Who will receive your capital? And what role will the tax authorities play in this? Capital The capital which will be distributed among your heirs after your death will depend on...

The stock markets are at a low ebb, a trade war between the United States and China remains possible and Europe is suffering from major political uncertainty with the endless negotiations on Brexit and the financial concerns regarding Italy. We discussed these subjects with Evert Van Meeuwen,...

Yes. People with a chronic or serious illness sometimes have trouble obtaining outstanding balance insurance. Insurers consider them to be a bigger risk and require an additional premium or refuse to provide coverage. The amount of the additional premium varies according to the strategy of the...

Yes. Outstanding balance insurance is a type of life insurance and can therefore be cancelled, but you should bear a few points in mind. Sensible? Ask yourself whether or not this would be sensible. If you think that you no longer need to have outstanding balance insurance, you may cancel the...

Living off of their private income is undoubtedly what a lot of people say they would like to do later. Do you have to win the Lotto or EuroMillions to do this? Not necessarily. Below we explain exactly what the idea of living off of your private income is and how to do it. Once you retire, your...