CAPITAL - yes or no save for life course

by Maurice WilbrinkVeel people touch paralysed of the large number of financial products that is offered their. Save? Convene? Mortgage oversluiten? Spaarloon? Single premium policy concludes? Pension repairs? A serial products comes soon, which have been grafted on the life course regulation. He who overwhelmed all that offer affects, does generally nothing. Because he who does not choose, does not choose also found oneself - thus many reason the new life course regulation, which becomes on 1 January 2006 possible, anticipates on the increasing need of employees individual build leave rights. He who a child gets, a sick father or mother wants look after, study leave wants finance, or what wishes go rather with pension, can take part in the new regulation the formulaformula formula is fiscally pleasant: there is gross a tax-free inleg. Just at benefit income tax must be paid there. There up to twelve per cent of the brutoloon per year can be preserved. Employees are free to choose at which insurer they open a life course account pension funds and insurers, who develop life course products, think that the new spaarvorm will make a hesitating start. To start an employee, who chooses for levensloopsparen, must stops with the popular salary savings scheme. Tweederde of the employees uses of the spaarloon. Each year will ask attention to the employer in November for this: do you choose for the life course regulation or for the spaarloon? That the enthusiasm for the life course regulation will slowly have but grow, also with the fact do that large groups attach employees, especially 40-plussers, to collective regulations, for example for anticipated pension. The life course regulation has been correctly considered take the heft entirely itself in hands. There sits nothing jointly to the financing of this regulation, in contrast to pension, or the insurance against income loss as a result of unemployment or incapacity for work in some sectors the employers the use of the life course regulation encourage, and there particularly the company branch pension funds will stand in on. Levensloopsparen become there an important means an extra finance early retirement year. In some CAO's there meanwhile also agreements have been made concerning. Employers can join in paying to the life course regulations of their employees. Also the tax authority helps with and grants the ' life cursor ' standard an extra tax calculation of 183 euro per year for which is the life course regulation interesting? Pension fund PGGM, actively in the sector care and well-being, thinks that especially dertigers and veertigers are addressed by it. These people, whose incomes ten, twenty years, questions have been possible grow itself sometimes finished if them money must reserve that for a period they want work less. For example if the care for children becomes current. He who seven, eight years again saves, can choose to work during two years less days per week and can income loss (partly) catch with its life course pot this pot can be completed, if he has been dismantled. How many possibilities one's life course regulation offer, are entirely dependent on the question how much he/they can pay and how much the boss wants join in paying. Simple spaarvormen will be offered, but also life course accounts on which the money is convened. He who convenes, does well to its life course pot long grow there to let. The output can increase then considerably and dip in the stock markets is in the long term catch. He who foresees that he are already after a couple year life course pot must address, can choose better for records, but certain interest impact. | GPD
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