{"id":2781,"date":"2021-03-03T10:39:50","date_gmt":"2021-03-03T09:39:50","guid":{"rendered":"https:\/\/mysavings.be\/article\/starten-met-pensioenvorming\/"},"modified":"2021-04-18T20:06:34","modified_gmt":"2021-04-18T18:06:34","slug":"starten-met-pensioenvorming","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/nl\/artikel\/starten-met-pensioenvorming\/","title":{"rendered":"Starten met pensioenvorming"},"content":{"rendered":"<p>Maak eerst een inschatting van uw pensioenbehoefte<\/p>\n<ul>\n<li>Start met de vraag <strong>wat is uw levensstandaard<\/strong>?\u00a0 Een lastige vraag, onze ervaring gaat uit van 2.500 euro tot 4.500 euro per maand (alles inbegrepen).\u00a0 Maak eventueel gebruik van onze rekentool om uw leefbudget te bepalen.<\/li>\n<li>Op hoeveel <strong>wettelijk pensioen<\/strong> mag u rekenen? Kent u het bedrag of maak een schatting met de pensioenmeter.<img decoding=\"async\" style=\"float: right; height: 259px; margin: 20px; width: 388px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/wpallimport\/files\/Madelief.jpg\" alt=\"Pensioenplanning in al zijn vormen\" \/><\/li>\n<li><strong>Hoeveel bedraagt het verschil op maandbasis<\/strong>? Voorbeeld: gewenst levensbudget 3.500 euro, schatting wettelijk pensioen 2.000 euro, verschil van 1.500 euro per maand.<\/li>\n<li>Bereken het kapitaal dat u nodig heeft om dit te kunnen genereren tot bvb uw 85 jaar via \u00e9\u00e9n onze rekentools.\n<ul>\n<li>Vb kapitaal van 100.000 euro\u00a0geeft gedurende 20 jaar +\/- 500 \u20ac extra per maand, rekening houdende met netto rendement van 2%.<\/li>\n<li>Of nog makkelijker, uitgaande dat er weinig of geen beleggingswinst wordt gerealiseerd bovenop de inflatie, doe je gewoon: maandelijks tekort * 12 * aantal jaar dat u aanvulling nodig heeft.<\/li>\n<li>Oftewel 360.000 euro in dit voorbeeld.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Dit is het kapitaal dat u dient samen te stellen tegen pensionering.\u00a0 Hoe gaan we dit opbouwen?<\/strong><\/li>\n<li>Maak gebruik van de fiscale spaarpotjes* en bereken hoeveel kapitaal u opbouwt met onze rekentools.<\/li>\n<li>Vul dit aan via vermogensopbouw of een vrij spaarplan per maand.<\/li>\n<\/ul>\n<p>*Wat zijn uw mogelijkheden?\u00a0 De overheid heeft een aantal fiscaal aftrekbare spaarpotjes gecre\u00eberd waar u gebruik van kunt maken.\u00a0 Deze zijn verschillend per sociaal statuut. <a href=\"https:\/\/mysavings.be\/onze-producten\/pensioen-fiscaal\/\">Ga hier naar het overzicht.<\/a><\/p>\n<p>Andere cases:<\/p>\n<ul>\n<li><a href=\"https:\/\/mysavings.be\/artikel\/4-redenen-om-een-vennootschap-op-te-richten\/\">Waarom starten met een vennootschap?<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/infocentrum\/mijn-sociale-bescherming-via-een-managementvennootschap\/\">Een managementvennootschap en mijn sociale bescherming: hoe werkt dat?<\/a><\/li>\n<li><a href=\"https:\/\/mysavings.be\/artikel\/ik-wil-mijn-gezin-beschermen\/\">\u200b\u200bIk wil mijn gezin beschermen<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Toelichting en praktisch voorbeeld van aanvullende pensioenen | MySavings<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":126,"template":"","class_list":["post-2781","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hoe bereken ik mijn pensioenbehoefte?<\/title>\n<meta name=\"description\" content=\"Toelichting en praktisch voorbeeld van aanvullende pensioenen | MySavings\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/nl\/artikel\/starten-met-pensioenvorming\/\" \/>\n<meta property=\"og:locale\" content=\"nl_BE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hoe bereken ik mijn pensioenbehoefte?\" \/>\n<meta property=\"og:description\" content=\"Toelichting en praktisch voorbeeld van aanvullende pensioenen | 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