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

UUF19942

The pension reform enters its final phase

People
07.05.2026

At the beginning of March 2026, the Council of Ministers reached an agreement during its third reading of the new pension law, meaning that the pension reform is now ready for consideration by parliament. This brings the matter to its final phase, the ambition being to systematically implement the statutory pension reform measures starting in 2027. The ultimate goal of the reforms is to make the system more sustainable, just and fair.

Read more
Read more about The pension reform enters its final phase
JOSEF03187

Uniform status for supplementary pensions: is your company properly prepared?

People
07.05.2026

The uniform status for supplementary pensions will come into effect on 1 January 2030. What this actually means is that a different supplementary pension for manual and white-collar workers in a comparable situation is no longer permitted. This legislative change has a major impact on employers and requires careful preparation. Read below how we can support you as an employer in this process.

Read more
Read more about Uniform status for supplementary pensions: is your company properly prepared?
U7353792727 Photorealistic image three people in a business mee 3d7dcf8a ee48 4965 90ae d55a7c2b40ea

How does Belgium’s creditworthiness affect your supplementary pension?

EIP & PLCI
01.05.2026

Credit rating agency Moody’s has just downgraded Belgium’s rating from Aa3 to A1. This means that Belgium will have to pay a higher interest rate on future borrowings. In the long term, this lower credit rating could also have an impact on the minimum return on the second-pillar supplementary pension. This development calls for a proactive approach: employers who anticipate in good time can keep their supplementary pension plan optimally in line with their HR and remuneration policies.

Read more
Read more about How does Belgium’s creditworthiness affect your supplementary pension?
U7353792727 photorealistic image a sunlit creative

Pensionable age heading towards 67: what does this mean for your supplementary employee plans?

People
28.04.2026

The Belgian statutory pensionable age continues to change. For a long time, employees could retire and receive a pension at 65; in 2025, the age rose to 66; and from 2030 onwards it will be 67. For your HR policy, this is more than just a change in the law: it’s a development with a clear impact on supplementary pension plans, income protection and other employee benefits. In this article, we explain what this actually means for your company and how Vanbreda can support you with this adjustment.

Read more
Read more about Pensionable age heading towards 67: what does this mean for your supplementary employee plans?