Hallycon Academy

Curso 13 · Siguiente paso

Pensions and tax-smart saving

How pensions work in Belgium, France, Germany, the Netherlands and Switzerland, how big your gap may be, how tax rules shape your saving, and how to plan the years after work.

  • 7 lecciones
  • 49 min
  • Gratis
  • Un certificado al terminar

Empezar a aprender gratis

Para quién es

Para quien, a partir de los 35, quiere saber cuánto pagará realmente su pensión, qué tamaño puede tener la brecha y cómo influyen los impuestos en su ahorro.

Las lecciones

Cada lección tiene un vídeo breve, un cuestionario y enlaces para saber más. Las lecciones completas se abren tras un registro gratuito.

  1. Lección 1: How your pension works: the three pillars

    7 min

    State, workplace and private pensions, country by country. Most people only know the first one.

    Puntos clave

    • Pillar 1 is the state pension, pillar 2 the workplace pension, pillar 3 your own saving.
    • BE: legal pension, supplementary pension, pension saving. DE: gesetzliche Rente, bAV, Riester and private. FR: base and Agirc-Arrco, company PER, individual PER. NL: AOW, pension fund, lijfrente. CH: AHV/AVS, BVG/LPP, pillar 3a.
    • Know which pillars you have and roughly what each will pay.

  2. Lección 2: The pension gap

    7 min

    The state pension replaces only part of your pay, and fewer workers support each retiree. What the gap is and why it matters from 35 on.

    Puntos clave

    • Compulsory pensions often replace well under your last pay: for an average earner, from about 48% in Switzerland to 96% in the Netherlands (OECD, 2025).
    • Ageing populations strain pay-as-you-go systems: the EU went from 24.7 people aged 65+ per 100 of working age in 2005 to 34.5 in 2025 (Eurostat), and the rules keep changing.
    • Your gap is what you'll miss each month once you stop working.

  3. Lección 3: Find your number

    7 min

    Every country gives you a free pension statement. Where to get yours, how to read it and how to compare it with your costs.

    Puntos clave

    • Get your statement: mypension.be (BE); Renteninformation and the Digitale Rentenübersicht (DE); info-retraite.fr (FR); mijnpensioenoverzicht.nl (NL); your AHV account extract and pension fund certificate (CH).
    • Compare the expected monthly amount with your expected costs.
    • Gap per month × 12 × years in retirement gives a rough target (illustration, before inflation and returns).

  4. Lección 4: Starting at 35, 45 or 55

    7 min

    The approach changes with the years you have left: time does the work at 35, amount and habits at 45, costs and safety at 55+.

    Puntos clave

    • At 35, time does most of the work.
    • At 45, the amount and steady habits matter more.
    • At 55+, focus on costs, perhaps working a little longer, and safe money for the first retirement years.

  5. Lección 5: Tax-friendly pension saving in your country

    7 min

    Each country rewards pension saving with tax breaks: pension saving in Belgium, company pensions, Riester and its 2027 successor in Germany, the PER in France, lijfrente in the Netherlands, pillar 3a in Switzerland.

    Puntos clave

    • Use your country's tax-favoured box first; limits change every year, so check them.
    • Tax breaks often come with lock-ins until retirement and with product costs; read both.
    • Germany replaces Riester for new contracts from 2027, the Netherlands moves workplace pensions to new rules by 1 January 2028, and Switzerland's 3a limit is CHF 7,258 in 2026 for employees with a pension fund.

  6. Lección 6: Tax on your investments, country by country

    7 min

    Dividends, interest and gains are taxed differently in each country. The main rules in plain words, life-insurance wrappers like assurance-vie and branch 21/23, and why the wrapper can matter as much as the investment.

    Puntos clave

    • BE: a tax on every stock-exchange trade, 30% withholding tax on dividends and interest, and since 1 January 2026 a 10% tax on capital gains above €10,000 a year. DE: a flat 25% plus solidarity surcharge above a €1,000 yearly allowance.
    • FR: a 31.4% flat tax since 2026, lower after 5 years in a PEA or 8 years in an assurance-vie. NL: box 3 taxes an assumed return on wealth. CH: private capital gains generally untaxed, but wealth is taxed and 35% is withheld on Swiss dividends (reclaimable for residents).
    • Every rule is dated: check it with your tax office. General information, not tax advice.

  7. Lección 7: Spending it later

    7 min

    The years after work need a plan too: how much to draw, what to keep safe, lump sum or lifelong pension, and planning for a long life.

    Puntos clave

    • A common approach: keep two to three years of spending in low-risk money so a market fall doesn't force you to sell.
    • Lump sum or lifelong pension: in Switzerland and elsewhere you may choose, and it is one of the biggest money decisions you'll make.
    • Plan for a long life; running out at 90 hurts more than leaving something behind.

Qué encontrará

  • Vídeos breves: Unos dos minutos por lección
  • Cuestionarios: Tres preguntas después de cada lección
  • Calculadoras: Inflación, interés compuesto, fondo de emergencia y comisiones
  • Certificado: Por cada curso que complete

Las lecciones completas, los vídeos y los cuestionarios se abren tras un registro gratuito: su nombre, correo electrónico, móvil y un PIN. Sin tarjeta, sin compromiso.

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