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December 10, 2025

Financial literacy: a necessity, not a luxury

How well do your employees understand their financial future? Research shows that many employees worry about their situation, and this affects both their well-being and their performance. We explain the importance of financial literacy and what companies can do about it.

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Why financial literacy matters

In a world where financial decisions are growing ever more complex, financial literacy is crucial. This is about more than just knowing what’s in a pension plan: it also means understanding the effect today’s choices have on tomorrow. For plan members, this ensures security and peace of mind, because if you understand your financial future you will make better decisions and experience less stress. For companies, it’s a strategic asset: financially healthy employees are more productive, more loyal and less susceptible to financial problems that affect their work.

The figures speak for themselves:

  • 60% of employees say they worry about their financial future.
  • 1 in 3 say they lack sufficient knowledge to make good decisions.
  • Companies that take financial well-being seriously see up to 25% lower employee turnover and higher engagement.

Trends and developments

Our sector is evolving rapidly. Big international players are investing heavily in financial well-being programmes in line with European regulations, while start-ups are focussing on digital tools and education to empower employees.

At Vanbreda, we’re convinced that financial literacy isn’t just a trend: it’s a structural shift. That’s why, as well as offering pension solutions, we also contribute to the financial well-being of every member.

We believe that including financial literacy in our services has many advantages. Why not help your employees take control of their financial lives tomorrow? We are ready to assist you with a concrete plan.

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