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.
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:
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.
Want to use your supplementary pension to finance real estate? You can do so through an advance, a pledge, or the reconstitution of a mortgage loan. In the detailed note below, we explain what this means for taxation at the time of payout.
Starting in 2026, a significant change will occur in communication regarding supplementary pensions: the familiar pension statement will disappear and be replaced by the pension overview. This change is an implementation of the Transparency Act, with a view to imposing uniform rules on all pension institutions about communication with members in order to ensure greater clarity. In the downloadable note below, we explain everything in detail.
There’s been a lot of talk about the European Pay Transparency Directive (EU 2023/970) recently. The directive was approved by the European Council in May 2023 and must be transposed into national law by every Member State by 7 June 2026. Belgium is working hard on this. The goal is clear: to reduce the pay gap between men and women in the same job and actively tackle pay discrimination.
Introduced in 2012, the Wijninckx contribution is a special social security contribution intended to build up substantial supplementary pensions for employees and the self-employed. It is also an extra social security contribution payable by the employer or self-employed individual. We explain how this contribution is calculated, why it’s important to pay it on time and what role Sigedis plays.