Back to overview
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.

UUF19942

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.

Related posts

JLPSF13142

How your organisation can boost mental resilience

People
27.02.2026

At the coffee machine or at birthday parties, we often discuss the downsides of our jobs: high workloads, looming burnouts, rising absenteeism. According to Prof. Nele Jacobs, a mental health expert and the CEO of Faresa, we are selling ourselves short by doing so. Her message is clear: work is essentially a healthy activity and can become a significant source of mental resilience, provided that organisations create the right conditions.

Read more
Read more about How your organisation can boost mental resilience
U7353792727 photorealistic image brightly illuminated open offi e0569892 6961 4a

Cent index: direct impact on supplementary pension capital

Press
23.12.2025

The federal government has announced that in 2026 and 2028, the portion of gross pay above 4,000 euros will not be subject to automatic indexation. At first glance, the main effects of this measure – the ‘cent index’ – appear to be on pay. However, it also has a significant impact on the supplementary pension that employees build up through their employer. Vanbreda Risk & Benefits has examined the financial effect.

Read more
Read more about Cent index: direct impact on supplementary pension capital
JLPSF28959

Increase in co-payment for medicines: what does this mean for the insurance plans of employers and their employees?

People
16.12.2025

Starting in 2026, the federal government will introduce a minimum co-payment of €2 for all medicines you buy at the pharmacy. The General Council of the RIZIV describes the purpose of this measure as follows: ‘This is a solidarity contribution that will be used to reinvest in better social security protection for patients.’ But what does this mean in practice for the medical plans you provide, as an employer for your employees?

Read more
Read more about Increase in co-payment for medicines: what does this mean for the insurance plans of employers and their employees?