{"id":30899,"date":"2026-01-19T14:49:25","date_gmt":"2026-01-19T14:49:25","guid":{"rendered":"https:\/\/wilink.be\/?page_id=30899"},"modified":"2026-09-28T09:13:08","modified_gmt":"2026-09-28T09:13:08","slug":"oplossingen-voor-zelfstandigen-2","status":"publish","type":"page","link":"https:\/\/wilink.be\/nl\/pensioen\/oplossingen-voor-zelfstandigen-2\/","title":{"rendered":"Oplossingen voor zelfstandigen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30899\" class=\"elementor elementor-30899 elementor-30898\" data-elementor-post-type=\"page\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-fbcac99 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"fbcac99\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e6154cd pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"e6154cd\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-d3b1a90 ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"d3b1a90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-d3b1a90-1327\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tBeoefenaars van een medisch beroep.\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6524178 elementor-widget__width-initial elementor-widget elementor-widget-pxl_text_editor\" data-id=\"6524178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Pensioenoplossingen voor zorgprofessionals.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fa41949 elementor-section-full_width elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible pxl-full-content-with-space-none wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"fa41949\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-no \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3135669 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"3135669\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-8a6c155 elementor-widget elementor-widget-spacer\" data-id=\"8a6c155\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31b24b9 elementor-widget elementor-widget-spacer\" data-id=\"31b24b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d257dce elementor-align-center ft-gt pxl-icon-list  elementor-widget__width-auto elementor-widget elementor-widget-pxl_button\" data-id=\"d257dce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-d257dce-1708\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/neem-contact-met-ons-op\/\" class=\"btn pxl-icon-active  btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-0\">\n                <span class=\"pxl--btn-text\" data-text=\"Contacteer ons\">\n            Contacteer ons        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69eec40 elementor-align-center ft-gt pxl-icon-list  elementor-widget__width-initial elementor-widget elementor-widget-pxl_button\" data-id=\"69eec40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-69eec40-6578\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/over-wilink\/\" class=\"btn pxl-icon-active  btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-0\">\n                <span class=\"pxl--btn-text\" data-text=\"Over Wilink\">\n            Over Wilink        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e90018 elementor-widget elementor-widget-spacer\" data-id=\"6e90018\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6eb8592 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"6eb8592\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-401f757 elementor-widget__width-initial elementor-widget elementor-widget-pxl_image\" data-id=\"401f757\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-401f757-2449\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--bg bg-image df\" style=\"background-image: url(https:\/\/wilink.be\/wp-content\/uploads\/2026\/08\/8659605cc90db0be52c1b52ccf324296.jpg);\">\n                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-61a9132 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"61a9132\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a8bb641 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"a8bb641\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-ff078c6 ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"ff078c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-ff078c6-7789\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tOnze oplossingen voor zelfstandigen\t\n\t\t\t\t\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8fd991 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d8fd991\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p class=\"wax-slider__slide__title\">Om uw levensstandaard bij pensionering te behouden, is het onmisbaar om op de toekomst te anticiperen.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-f35d93a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"f35d93a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b874868 pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"b874868\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-df1a617 elementor-widget__width-inherit elementor-widget elementor-widget-pxl_image\" data-id=\"df1a617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-df1a617-9108\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--image df\" data-parallax-value=\"\">\n                                <img fetchpriority=\"high\" decoding=\"async\" class=\"no-lazyload \" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/12\/iStock-1319031310-408x300.jpg\" width=\"408\" height=\"300\" alt=\"Medical\" title=\"Doctor writing a medical prescription\" \/>                                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ccc287 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"5ccc287\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-16af092 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"16af092\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-3679c2f elementor-widget elementor-widget-pxl_heading\" data-id=\"3679c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-3679c2f-7075\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tRIZIV.\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f67dc9a elementor-widget elementor-widget-pxl_text_editor\" data-id=\"f67dc9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Een jaarlijkse financi\u00eble steun waarmee u uw sociale bescherming kunt optimaliseren en tegelijk een aanvullend pensioen kunt opbouwen.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2fc9c6 elementor-align-left ft-gt elementor-widget elementor-widget-pxl_button\" data-id=\"f2fc9c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-f2fc9c6-8233\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/wilink-medical\/riziv-premie\/\" class=\"btn pxl-icon-active btn-hide-icon btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-2960\">\n        <i aria-hidden=\"true\" class=\"flaticon flaticon-right-arrow\"><\/i>        <span class=\"pxl--btn-text\" data-text=\"Meer weten\">\n            Meer weten        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-07a8c00 pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"07a8c00\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-824038e elementor-widget__width-inherit elementor-widget elementor-widget-pxl_image\" data-id=\"824038e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-824038e-1268\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--image df\" data-parallax-value=\"\">\n                                <img decoding=\"async\" class=\"no-lazyload \" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/12\/iStock-951514270-1-408x300.jpg\" width=\"408\" height=\"300\" alt=\"two man shaking hands in front a two other people\" title=\"iStock-951514270.jpg\" \/>                                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6f1aa3d elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"6f1aa3d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-be2c92a pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"be2c92a\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-88bb5cb elementor-widget elementor-widget-pxl_heading\" data-id=\"88bb5cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-88bb5cb-1323\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tVrij Aanvullend Pensioen voor Zelfstandigen (VAPZ).\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebdf5bb elementor-widget elementor-widget-pxl_text_editor\" data-id=\"ebdf5bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>De onmisbare pensioenspaaroplossing voor zelfstandigen, met een van de hoogste fiscale voordelen.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d85b61 elementor-align-left ft-gt elementor-widget elementor-widget-pxl_button\" data-id=\"6d85b61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-6d85b61-4877\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/pensioen\/poz\/\" class=\"btn pxl-icon-active btn-hide-icon btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-2960\">\n        <i aria-hidden=\"true\" class=\"flaticon flaticon-right-arrow\"><\/i>        <span class=\"pxl--btn-text\" data-text=\"Vraag een offerte aan\">\n            Vraag een offerte aan        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0c486d5 pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"0c486d5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-a9b224c elementor-widget__width-inherit elementor-widget elementor-widget-pxl_image\" data-id=\"a9b224c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-a9b224c-7831\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--image df\" data-parallax-value=\"\">\n                                <img decoding=\"async\" class=\"no-lazyload \" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/12\/iStock-1273337677-408x300.jpg\" width=\"408\" height=\"300\" alt=\"three worker watching the construction site and speaking about it\" title=\"iStock-1273337677.jpg\" \/>                                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-16f7956 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"16f7956\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0a669d6 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"0a669d6\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-8791793 elementor-widget elementor-widget-pxl_heading\" data-id=\"8791793\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-8791793-3286\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tIndividuele Pensioentoezegging (IPT).\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a9ee02 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"9a9ee02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Het pensioenplan gefinancierd door uw vennootschap om een aanvullend pensioen op maat op te bouwen, met een aantrekkelijk fiscaal rendement.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-188d580 elementor-align-left ft-gt elementor-widget elementor-widget-pxl_button\" data-id=\"188d580\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-188d580-4399\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/pensioen\/ipt\/\" class=\"btn pxl-icon-active btn-hide-icon btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-2960\">\n        <i aria-hidden=\"true\" class=\"flaticon flaticon-right-arrow\"><\/i>        <span class=\"pxl--btn-text\" data-text=\"Vraag een offerte aan\">\n            Vraag een offerte aan        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-8afbf99 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"8afbf99\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6c0eab7 pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"6c0eab7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-b8c1acb elementor-widget__width-inherit elementor-widget elementor-widget-pxl_image\" data-id=\"b8c1acb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-b8c1acb-5886\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--image df\" data-parallax-value=\"\">\n                                <img loading=\"lazy\" decoding=\"async\" class=\"no-lazyload \" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/12\/iStock-2199471016-408x300.jpg\" width=\"408\" height=\"300\" alt=\"man on his smartphone\" title=\"iStock-2199471016.jpg\" \/>                                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-40e6992 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"40e6992\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9c6606c pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"9c6606c\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-79de2b4 elementor-widget elementor-widget-pxl_heading\" data-id=\"79de2b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-79de2b4-4634\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tSociaal VAPZ.\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34d45fa elementor-widget elementor-widget-pxl_text_editor\" data-id=\"34d45fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Het omvat niet alleen een aanvullend pensioensparen, maar ook bijkomende sociale waarborgen voor de zelfstandige.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ff01ba elementor-align-left ft-gt elementor-widget elementor-widget-pxl_button\" data-id=\"9ff01ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-9ff01ba-5211\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/contacteer-ons\/\" class=\"btn pxl-icon-active btn-hide-icon btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-2960\">\n        <i aria-hidden=\"true\" class=\"flaticon flaticon-right-arrow\"><\/i>        <span class=\"pxl--btn-text\" data-text=\"Vraag een offerte aan\">\n            Vraag een offerte aan        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d8a347e pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"d8a347e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-062b856 elementor-widget__width-inherit elementor-widget elementor-widget-pxl_image\" data-id=\"062b856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-062b856-8414\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--image df\" data-parallax-value=\"\">\n                                <img loading=\"lazy\" decoding=\"async\" class=\"no-lazyload \" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/12\/iStock-1463814322-Copie-408x300.jpg\" width=\"408\" height=\"300\" alt=\"saving pig\" title=\"iStock-1463814322-Copie.jpg\" \/>                                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a887bae elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"a887bae\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-eef66a6 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"eef66a6\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-985ce4d elementor-widget elementor-widget-pxl_heading\" data-id=\"985ce4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-985ce4d-7172\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tPensioenovereenkomst voor Zelfstandigen (POZ).\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4df7f4 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d4df7f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Het pensioensparen dat toegankelijk is voor zelfstandigen met een vennootschap, als aanvulling op hun VAPZ en om hun fiscaliteit verder te optimaliseren.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2036c2d elementor-align-left ft-gt elementor-widget elementor-widget-pxl_button\" data-id=\"2036c2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-2036c2d-8538\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/neem-contact-met-ons-op\/\" class=\"btn pxl-icon-active btn-hide-icon btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-2960\">\n        <i aria-hidden=\"true\" class=\"flaticon flaticon-right-arrow\"><\/i>        <span class=\"pxl--btn-text\" data-text=\"Vraag een offerte aan\">\n            Vraag een offerte aan        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e09de2d pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"e09de2d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-ff36008 elementor-widget__width-inherit elementor-widget elementor-widget-pxl_image\" data-id=\"ff36008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl_image-ff36008-5065\" class=\"pxl-image-single df pxl-disable-parallax-sm pxl-hide-sr-lg  \" data-wow-delay=\"ms\"  >\n    <div class=\"pxl-item--inner\" data-wow-delay=\"120ms\">\n        \n                    <div class=\"pxl-item--image df\" data-parallax-value=\"\">\n                                <img loading=\"lazy\" decoding=\"async\" class=\"no-lazyload \" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/11\/iStock-1248256677-408x300.jpg\" width=\"408\" height=\"300\" alt=\"old couple laughing together\" title=\"Happy laughing middle aged couple bonding while relaxing sitting on sofa\" \/>                                            <\/div>\n                \n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-20a5967 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"20a5967\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0452b3b pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"0452b3b\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-017dfc4 elementor-widget elementor-widget-pxl_heading\" data-id=\"017dfc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-017dfc4-3801\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tAndere oplossingen.\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a07ae94 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"a07ae94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Pensioensparen, langetermijnsparen of beleggen.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c1a1dd elementor-align-left ft-gt elementor-widget elementor-widget-pxl_button\" data-id=\"4c1a1dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-4c1a1dd-6359\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/neem-contact-met-ons-op\/\" class=\"btn pxl-icon-active btn-hide-icon btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-2960\">\n        <i aria-hidden=\"true\" class=\"flaticon flaticon-right-arrow\"><\/i>        <span class=\"pxl--btn-text\" data-text=\"Vraag een offerte aan\">\n            Vraag een offerte aan        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-59413df elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"59413df\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5660ed7 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"5660ed7\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-7e52f2e ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"7e52f2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-7e52f2e-3771\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tDe gids met pensioenoplossingen \t\n\t\t\t\t\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-1700a72 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"1700a72\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ba9fa1 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"4ba9fa1\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-6d8dda6 elementor-widget elementor-widget-html\" data-id=\"6d8dda6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\/* Style g\u00e9n\u00e9ral du tableau *\/\r\n.responsive-table {\r\n  width: 100%;\r\n  border-collapse: collapse;\r\n  margin-bottom: 20px;\r\n  font-size: 16px;\r\n}\r\n.responsive-table th,\r\n.responsive-table td {\r\n  border: 1px solid #ddd;\r\n  padding: 12px;\r\n  text-align: left;\r\n}\r\n.responsive-table th {\r\n  background-color: #f2f2f2;\r\n  font-weight: bold;\r\n}\r\n\r\n\/* Responsive mobile *\/\r\n@media screen and (max-width: 768px) {\r\n  .responsive-table {\r\n    border: 0;\r\n  }\r\n  .responsive-table thead {\r\n    display: none;\r\n  }\r\n  .responsive-table tr {\r\n    margin-bottom: 15px;\r\n    display: block;\r\n    border-bottom: 2px solid #eee;\r\n  }\r\n  .responsive-table td {\r\n    display: block;\r\n    text-align: right;\r\n    font-size: 14px;\r\n    border-bottom: 1px dotted #ccc;\r\n  }\r\n  .responsive-table td::before {\r\n    content: attr(data-label);\r\n    float: left;\r\n    font-weight: bold;\r\n    text-transform: capitalize;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<table class=\"responsive-table\">\r\n  <thead>\r\n    <tr>\r\n      <th>Product<\/th>\r\n<th>Jaarlijks plafond 2025<\/th>\r\n<th>Fiscaal voordeel \/ rendement<\/th>\r\n<th>Doelgroep<\/th>\r\n    <\/tr>\r\n  <\/thead>\r\n  <tbody>\r\n    <tr>\r\n      <td data-label=\"Produit\">VAPZ <\/td>\r\n<td data-label=\"Plafond annuel 2025\">Tot 4.000,44 \u20ac<\/td>\r\n<td data-label=\"Avantage fiscal \/ rendement\">Aftrek + besparing sociale bijdragen<\/td>\r\n<td data-label=\"Public cible\">Zelfstandigen, bedrijfsleiders<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td data-label=\"Produit\">Sociaal VAPZ<\/td>\r\n<td data-label=\"Plafond annuel 2025\">Tot 4.602,71 \u20ac<\/td>\r\n<td data-label=\"Avantage fiscal \/ rendement\">Idem + solidariteit + dekking<\/td>\r\n<td data-label=\"Public cible\">Zelfstandigen, bedrijfsleiders<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td data-label=\"Produit\">POZ<\/td>\r\n<td data-label=\"Plafond annuel 2025\">Variabel (max. 80 %)<\/td>\r\n<td data-label=\"Avantage fiscal \/ rendement\">30 % aftrek, \u20134,4 % taks<\/td>\r\n<td data-label=\"Public cible\">Zelfstandigen (natuurlijke persoon)<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td data-label=\"Produit\">IPT<\/td>\r\n<td data-label=\"Plafond annuel 2025\">Volgens de 80%-regel<\/td>\r\n<td data-label=\"Avantage fiscal \/ rendement\">Vennootschapsfiscaliteit, simulatie<\/td>\r\n<td data-label=\"Public cible\">Bedrijfsleiders met vennootschap<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td data-label=\"Produit\">Pensioensparen<\/td>\r\n<td data-label=\"Plafond annuel 2025\">1.050 \u20ac of 1.350 \u20ac<\/td>\r\n<td data-label=\"Avantage fiscal \/ rendement\">30 % of 25 %<\/td>\r\n<td data-label=\"Public cible\">Iedereen<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td data-label=\"Produit\">Langetermijnsparen <\/td>\r\n<td data-label=\"Plafond annuel 2025\">2.530 \u20ac<\/td>\r\n<td data-label=\"Avantage fiscal \/ rendement\">30 %<\/td>\r\n<td data-label=\"Public cible\">Iedereen<\/td>\r\n    <\/tr>\r\n  <\/tbody>\r\n<\/table>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-4471567 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4471567\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4e7dad pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"a4e7dad\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-663adf0 elementor-section-full_width pxl-section-overflow-hidden elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-full-content-with-space-none wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"663adf0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-69d11b5 pxl-column-overflow-hidden-yes pxl-column-none\" data-id=\"69d11b5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-e03ad1d ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"e03ad1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-e03ad1d-3622\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tVrij Aanvullend Pensioen voor Zelfstandigen (VAPZ)\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f47c68f elementor-widget elementor-widget-pxl_accordion\" data-id=\"f47c68f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"pxl-accordion pxl-accordion1 style1 \" data-wow-delay=\"ms\">\n                    <div class=\"pxl--item  active \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-f47c68f-9138-57c86f5\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Voor wie?<\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-f47c68f-9138-57c86f5\" class=\"pxl-accordion--content\" style=\"display: block;\">\n                    Voor alle zelfstandigen, als natuurlijke persoon of via een vennootschap, die een aanvullend pensioen willen opbouwen en tegelijk een fiscaal voordeel willen genieten.                <\/div>\n            <\/div>\n                    <div class=\"pxl--item   \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-f47c68f-9138-98960d6\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Waarom? <\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-f47c68f-9138-98960d6\" class=\"pxl-accordion--content\" >\n                    Omdat het wettelijk pensioen van zelfstandigen vaak veel lager ligt dan dat van werknemers: in Belgi\u00eb bedraagt het vandaag ongeveer 900 \u20ac\/maand voor een zelfstandige met een volledige loopbaan.                <\/div>\n            <\/div>\n                    <div class=\"pxl--item   \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-f47c68f-9138-334e0e3\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Kenmerken <\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-f47c68f-9138-334e0e3\" class=\"pxl-accordion--content\" >\n                    In het kader van een klassiek VAPZ kan de zelfstandige tot 4.086,34 \u20ac per jaar storten. Dat plafond komt overeen met 8,17 % van de netto belastbare beroepsinkomsten.<br \/>\r\n<br \/>\r\nBij een sociaal VAPZ bedraagt het maximumbedrag dat de zelfstandige kan storten 4.701,54 \u20ac per jaar. Dat plafond komt overeen met 9,40 % van de netto belastbare beroepsinkomsten.                <\/div>\n            <\/div>\n            <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dc2ae6 elementor-widget elementor-widget-spacer\" data-id=\"8dc2ae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-499f4d5 elementor-align-center ft-gt pxl-icon-list  elementor-widget__width-auto elementor-widget elementor-widget-pxl_button\" data-id=\"499f4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-499f4d5-9176\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/neem-contact-met-ons-op\/\" class=\"btn pxl-icon-active btn-underline btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-0\">\n                <span class=\"pxl--btn-text\" data-text=\"Contacteer ons\">\n            Contacteer ons        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3b9c1a4 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"3b9c1a4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n        <div class=\"elementor-widget-wrap\">\r\n                     \r\n                    <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-81197d3 elementor-widget elementor-widget-spacer\" data-id=\"81197d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee68241 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"ee68241\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f8be85 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"4f8be85\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f155a4a elementor-section-full_width pxl-section-overflow-hidden elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-full-content-with-space-none wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"f155a4a\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2508ad3 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"2508ad3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n        <div class=\"elementor-widget-wrap\">\r\n                     \r\n                    <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b118dcc pxl-column-overflow-hidden-yes pxl-column-none\" data-id=\"b118dcc\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-6b6b97f ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"6b6b97f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-6b6b97f-1822\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tDe Pensioenovereenkomst voor Zelfstandigen (POZ)\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a6027 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"e6a6027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>De Pensioenovereenkomst voor Zelfstandigen (POZ) is een pensioenspaarformule voor zelfstandigen als natuurlijke persoon (bv. vrije beroepen, eenmanszaken, meewerkende echtgenoten). Ze laat toe een aanvullend pensioen op te bouwen, bovenop het VAPZ, en tegelijk te genieten van aantrekkelijke fiscale voordelen. <\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2174cd5 elementor-widget elementor-widget-pxl_icon_box\" data-id=\"2174cd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani3 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"434pt\" viewBox=\"0 -65 434.67733 434\" width=\"434pt\"><path d=\"m152.003906 304.34375c-5.460937 0-10.921875-2.089844-15.082031-6.25l-130.664063-130.667969c-8.34375-8.339843-8.34375-21.824219 0-30.164062 8.339844-8.339844 21.820313-8.339844 30.164063 0l115.582031 115.582031 246.253906-246.25c8.339844-8.339844 21.820313-8.339844 30.164063 0 8.339844 8.34375 8.339844 21.824219 0 30.167969l-261.332031 261.332031c-4.160156 4.160156-9.625 6.25-15.085938 6.25zm0 0\"><\/path><\/svg>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <h3 class=\"pxl-item--title el-empty\">\n                        Aanzienlijk fiscaal voordeel                         <\/h3>\n            <div class=\"pxl-item--description el-empty\">Aanzienlijk fiscaal voordeel: belastingvermindering van 30 % op de gestorte premies (te verhogen met de gemeentebelasting)<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b011acf elementor-widget elementor-widget-pxl_icon_box\" data-id=\"b011acf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani3 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"434pt\" viewBox=\"0 -65 434.67733 434\" width=\"434pt\"><path d=\"m152.003906 304.34375c-5.460937 0-10.921875-2.089844-15.082031-6.25l-130.664063-130.667969c-8.34375-8.339843-8.34375-21.824219 0-30.164062 8.339844-8.339844 21.820313-8.339844 30.164063 0l115.582031 115.582031 246.253906-246.25c8.339844-8.339844 21.820313-8.339844 30.164063 0 8.339844 8.34375 8.339844 21.824219 0 30.167969l-261.332031 261.332031c-4.160156 4.160156-9.625 6.25-15.085938 6.25zm0 0\"><\/path><\/svg>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <h3 class=\"pxl-item--title el-empty\">\n                        80%-regel                        <\/h3>\n            <div class=\"pxl-item--description el-empty\">80%-regel (aangepast aan de POZ): de stortingen worden begrensd zodat het wettelijk en aanvullend pensioen samen niet meer bedraagt dan 80 % van het referentie-inkomen, berekend op het gemiddelde van de laatste drie jaar<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8c0387 elementor-widget elementor-widget-pxl_icon_box\" data-id=\"d8c0387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani3 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"434pt\" viewBox=\"0 -65 434.67733 434\" width=\"434pt\"><path d=\"m152.003906 304.34375c-5.460937 0-10.921875-2.089844-15.082031-6.25l-130.664063-130.667969c-8.34375-8.339843-8.34375-21.824219 0-30.164062 8.339844-8.339844 21.820313-8.339844 30.164063 0l115.582031 115.582031 246.253906-246.25c8.339844-8.339844 21.820313-8.339844 30.164063 0 8.339844 8.34375 8.339844 21.824219 0 30.167969l-261.332031 261.332031c-4.160156 4.160156-9.625 6.25-15.085938 6.25zm0 0\"><\/path><\/svg>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <h3 class=\"pxl-item--title el-empty\">\n                        Flexibiliteit van de beleggingen                        <\/h3>\n            <div class=\"pxl-item--description el-empty\">Flexibiliteit van de beleggingen: mogelijkheid om de premies te verdelen tussen Tak 21 (gewaarborgd kapitaal) en Tak 23 (beleggingsfondsen met een potentieel hoger rendement)<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2049dd8 elementor-widget elementor-widget-pxl_icon_box\" data-id=\"2049dd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani3 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"434pt\" viewBox=\"0 -65 434.67733 434\" width=\"434pt\"><path d=\"m152.003906 304.34375c-5.460937 0-10.921875-2.089844-15.082031-6.25l-130.664063-130.667969c-8.34375-8.339843-8.34375-21.824219 0-30.164062 8.339844-8.339844 21.820313-8.339844 30.164063 0l115.582031 115.582031 246.253906-246.25c8.339844-8.339844 21.820313-8.339844 30.164063 0 8.339844 8.34375 8.339844 21.824219 0 30.167969l-261.332031 261.332031c-4.160156 4.160156-9.625 6.25-15.085938 6.25zm0 0\"><\/path><\/svg>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <h3 class=\"pxl-item--title el-empty\">\n                        Fiscaliteit op de eindvervaldag                        <\/h3>\n            <div class=\"pxl-item--description el-empty\">Fiscaliteit op de eindvervaldag: bij pensionering of overlijden wordt het kapitaal belast aan 10 % (daarbovenop komen de RIZIV-bijdrage van 3,55 % en de solidariteitsbijdrage van maximaal 2 %)<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f30bf7 elementor-widget elementor-widget-spacer\" data-id=\"7f30bf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba8b85 elementor-align-center ft-gt pxl-icon-list  elementor-widget__width-auto elementor-widget elementor-widget-pxl_button\" data-id=\"4ba8b85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-4ba8b85-9930\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/neem-contact-met-ons-op\/\" class=\"btn pxl-icon-active  btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-0\">\n                <span class=\"pxl--btn-text\" data-text=\"Afspraken maken\">\n            Afspraken maken        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea5897 elementor-widget elementor-widget-spacer\" data-id=\"7ea5897\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bbdbb2 elementor-section-stretched elementor-section-full_width pxl-section-overflow-hidden elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-full-content-with-space-none wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4bbdbb2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;gradient&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ec6518 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"9ec6518\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-bf30c15 ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"bf30c15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-bf30c15-6471\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  highlight-alignment-left style-default ft-gt highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tFAQ &#8211; Aanvullend pensioen voor medische beroepen\t\n\t\t\t\t\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd80104 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"dd80104\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Duidelijke antwoorden op de vragen die u zich stelt voordat u contact met ons opneemt<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea8fc23 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ea8fc23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41a737d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"41a737d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f0969 elementor-widget__width-initial elementor-widget elementor-widget-pxl_accordion\" data-id=\"b3f0969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"pxl-accordion pxl-accordion1 style1 \" data-wow-delay=\"ms\">\n                    <div class=\"pxl--item  active \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-b3f0969-3337-98960d6\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Waarom is een aanvullend pensioen essentieel voor medische beroepen?<\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-b3f0969-3337-98960d6\" class=\"pxl-accordion--content\" style=\"display: block;\">\n                    Het wettelijk pensioen van zelfstandigen bedraagt ongeveer 900 \u20ac per maand voor een volledige loopbaan. Een aanvullend pensioen laat u toe die kloof te dichten en tegelijk uw belastbare basis te verlagen.                <\/div>\n            <\/div>\n                    <div class=\"pxl--item   \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-b3f0969-3337-57c86f5\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Wat is het VAPZ-plafond 2026 voor een zelfstandige arts?<\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-b3f0969-3337-57c86f5\" class=\"pxl-accordion--content\" >\n                    In 2026 bedraagt het plafond van het klassieke VAPZ 4.086,34 \u20ac per jaar. Dat bedrag komt overeen met 8,17 % van uw netto belastbare beroepsinkomsten en is volledig aftrekbaar.                <\/div>\n            <\/div>\n                    <div class=\"pxl--item   \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-b3f0969-3337-79470f6\">\n                                <span class=\"pxl-title--text pxl-pr-20\">VAPZ of IPT: welke oplossing voor een bedrijfsleider met vennootschap?<\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-b3f0969-3337-79470f6\" class=\"pxl-accordion--content\" >\n                    Het VAPZ richt zich tot zelfstandigen als natuurlijke persoon. De IPT wordt gefinancierd door uw vennootschap en is geschikt voor bedrijfsleiders met een vennootschap, met een volledige fiscale aftrek van de premies volgens de 80%-regel.                <\/div>\n            <\/div>\n                    <div class=\"pxl--item   \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-b3f0969-3337-ca3d3e0\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Hoe vraagt u de RIZIV-premie aan als geconventioneerde zorgverlener?<\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-b3f0969-3337-ca3d3e0\" class=\"pxl-accordion--content\" >\n                    De RIZIV-premie is een jaarlijkse financi\u00eble steun voorbehouden aan geconventioneerde zorgverleners. Wij begeleiden u bij de stappen om ze te verkrijgen en in uw pensioenstrategie te integreren.                <\/div>\n            <\/div>\n                    <div class=\"pxl--item   \">\n                \n                <h3 class=\"pxl-accordion--title\" data-target=\"#pxl_accordion-b3f0969-3337-32580d5\">\n                                <span class=\"pxl-title--text pxl-pr-20\">Wat is het verschil tussen het klassieke VAPZ en het sociaal VAPZ?<\/span>\n\n                \n                <i class=\"pxl-icon--plus pxl-r-9\"><\/i>  \n\n                 \n\n                \n                <\/h3>\n                <div id=\"pxl_accordion-b3f0969-3337-32580d5\" class=\"pxl-accordion--content\" >\n                    Met het sociaal VAPZ kunt u tot 4.701,54 \u20ac per jaar storten, een hoger plafond dan bij het klassieke VAPZ. Het voegt sociale waarborgen toe, zoals het voortzetten van de pensioenopbouw bij arbeidsongeschiktheid.                <\/div>\n            <\/div>\n            <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-999195c elementor-widget elementor-widget-html\" data-id=\"999195c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Waarom is een aanvullend pensioen essentieel voor medische beroepen?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Het wettelijk pensioen van zelfstandigen bedraagt ongeveer 900 \u20ac per maand voor een volledige loopbaan. Een aanvullend pensioen laat u toe die kloof te dichten en tegelijk uw belastbare basis te verlagen.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Wat is het VAPZ-plafond 2026 voor een zelfstandige arts?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"En 2026, le plafond de la VAPZ classique s'\u00e9l\u00e8ve \u00e0 4 086,34 \u20ac par an. Ce montant correspond \u00e0 8,17 % de vos revenus professionnels nets imposables et il est enti\u00e8rement d\u00e9ductible.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"VAPZ of IPT: welke oplossing voor een bedrijfsleider met vennootschap?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"La VAPZ s'adresse aux ind\u00e9pendants en personne physique. L'IPT est financ\u00e9 par votre soci\u00e9t\u00e9 et convient aux dirigeants en soci\u00e9t\u00e9, avec une d\u00e9duction fiscale int\u00e9grale des primes selon la r\u00e8gle des 80 %.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Hoe vraagt u de RIZIV-premie aan als geconventioneerde zorgverlener?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"De RIZIV-premie is een jaarlijkse financi\u00eble steun voorbehouden aan geconventioneerde zorgverleners. Wij begeleiden u bij de stappen om ze te verkrijgen en in uw pensioenstrategie te integreren.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Wat is het verschil tussen het klassieke VAPZ en het sociaal VAPZ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"La Sociaal VAPZ permet de verser jusqu'\u00e0 4 701,54 \u20ac par an, un plafond plus \u00e9lev\u00e9 que la VAPZ classique. Elle ajoute des garanties sociales, comme le maintien de la constitution de pension en cas d'incapacit\u00e9 de travail.\"\r\n      }\r\n    }\r\n  ]\r\n}\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5833d5 elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible pxl-full-content-with-space-none wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"a5833d5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c41931 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"4c41931\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-577e247 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"577e247\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9a49297 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"9a49297\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-f85e8db ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"f85e8db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-f85e8db-1168\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tOnze experts begeleiden u op basis van uw behoeften\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f81717 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"9f81717\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Gepersonaliseerde oplossingen, speciaal voor u ontworpen.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb3bb0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8cb3bb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a944e elementor-widget__width-auto elementor-widget elementor-widget-pxl_divider\" data-id=\"23a944e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-el-divider \" data-wow-delay=\"ms\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-16516dd pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"16516dd\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-6aa37c7 elementor-align-center ft-gt pxl-icon-list  elementor-widget__width-initial elementor-widget elementor-widget-pxl_button\" data-id=\"6aa37c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-6aa37c7-3851\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/over-wilink\/\" class=\"btn pxl-icon-active  btn-default  inline pxl-icon--right\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-0\">\n                <span class=\"pxl--btn-text\" data-text=\"Over Wilink\">\n            Over Wilink        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-5460da6 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"5460da6\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7edb03c pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"7edb03c\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-41eb0e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"41eb0e2\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8ed7969 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"8ed7969\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-87fa989 elementor-widget elementor-widget-pxl_post_carousel\" data-id=\"87fa989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_post_carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n    <div class=\"pxl-swiper-slider pxl-service-carousel pxl-service-carousel1 pxl-service-style1 pxl-service-l1\" >\n        <div class=\"pxl-carousel-inner \">\n            <div class=\"pxl-swiper-container\" dir=\"ltr\" data-settings=\"{&quot;slide_direction&quot;:&quot;horizontal&quot;,&quot;slide_percolumn&quot;:1,&quot;slide_percolumnfill&quot;:1,&quot;slide_mode&quot;:&quot;slide&quot;,&quot;slides_to_show&quot;:3,&quot;slides_to_show_xxl&quot;:3,&quot;slides_to_show_lg&quot;:2,&quot;slides_to_show_md&quot;:2,&quot;slides_to_show_sm&quot;:2,&quot;slides_to_show_xs&quot;:1,&quot;slides_to_scroll&quot;:1,&quot;slides_gutter&quot;:30,&quot;arrow&quot;:true,&quot;pagination&quot;:false,&quot;pagination_type&quot;:&quot;bullets&quot;,&quot;autoplay&quot;:false,&quot;pause_on_hover&quot;:true,&quot;pause_on_interaction&quot;:true,&quot;delay&quot;:5000,&quot;loop&quot;:true,&quot;speed&quot;:500,&quot;center&quot;:false}\">\n                <div class=\"pxl-swiper-wrapper\">\n                                    <\/div> \n            <\/div>\n            \n                            <div class=\"pxl-swiper-arrow-wrap style-2\">\n                    <div class=\"pxl-swiper-arrow pxl-swiper-arrow-prev\">\n                        <svg width=\"20\" height=\"38\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                         <g>\n                          <path stroke=\"#000\" id=\"svg_3\" d=\"m20.21811,38.88319l-19.7456,-20.72803\" opacity=\"undefined\" stroke-linecap=\"undefined\" stroke-linejoin=\"undefined\" fill=\"none\"\/>\n                          <path stroke=\"#000\" id=\"svg_5\" d=\"m20.00751,-0.49215l-19.55631,19.26847\" opacity=\"undefined\" stroke-linecap=\"undefined\" stroke-linejoin=\"undefined\" fill=\"none\"\/>\n                      <\/g>\n                  <\/svg>\n              <\/div>\n              <div class=\"pxl-swiper-arrow pxl-swiper-arrow-next\">\n                <svg width=\"20\" height=\"38\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                 <g>\n                  <path stroke=\"#000\" id=\"svg_3\" d=\"m20.21811,38.88319l-19.7456,-20.72803\" opacity=\"undefined\" stroke-linecap=\"undefined\" stroke-linejoin=\"undefined\" fill=\"none\"\/>\n                  <path stroke=\"#000\" id=\"svg_5\" d=\"m20.00751,-0.49215l-19.55631,19.26847\" opacity=\"undefined\" stroke-linecap=\"undefined\" stroke-linejoin=\"undefined\" fill=\"none\"\/>\n              <\/g>\n          <\/svg>\n      <\/div>\n  <\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40961e9 ft-gt elementor-widget elementor-widget-pxl_heading\" data-id=\"40961e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-40961e9-9469\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title  highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tNieuws in de kijker\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d092945 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d092945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p>Ontdek het laatste nieuws over uiteenlopende onderwerpen.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c7e102 wilink-post-grid pxl-post-layout-post-1 elementor-widget elementor-widget-pxl_post_grid\" data-id=\"3c7e102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_post_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl_post_grid-3c7e102-5282\" class=\"pxl-grid pxl-blog-grid pxl-blog-grid-layout1 pxl-blog-style1\" data-start-page=\"1\" data-max-pages=\"1\" data-total=\"3\" data-perpage=\"6\" data-next-link=\"\" data-loadmore=\"{&quot;tax&quot;:[&quot;category&quot;],&quot;post_type&quot;:&quot;post&quot;,&quot;layout&quot;:&quot;post-1&quot;,&quot;startPage&quot;:1,&quot;maxPages&quot;:1,&quot;total&quot;:3,&quot;filter&quot;:&quot;false&quot;,&quot;filter_type&quot;:&quot;normal&quot;,&quot;perpage&quot;:&quot;6&quot;,&quot;nextLink&quot;:&quot;&quot;,&quot;source&quot;:[],&quot;orderby&quot;:&quot;date&quot;,&quot;order&quot;:&quot;desc&quot;,&quot;limit&quot;:&quot;6&quot;,&quot;post_ids&quot;:[&quot;21486&quot;,&quot;27184&quot;,&quot;30555&quot;],&quot;col_xl&quot;:4,&quot;col_lg&quot;:6,&quot;col_md&quot;:6,&quot;col_sm&quot;:12,&quot;col_xs&quot;:12,&quot;pagination_type&quot;:&quot;pagination&quot;,&quot;show_date&quot;:&quot;&quot;,&quot;show_category&quot;:&quot;&quot;,&quot;show_author&quot;:&quot;&quot;,&quot;num_words&quot;:18,&quot;show_button&quot;:&quot;true&quot;,&quot;show_excerpt&quot;:&quot;true&quot;,&quot;button_text&quot;:&quot;Lees meer&quot;,&quot;img_size&quot;:&quot;&quot;,&quot;grid_masonry&quot;:&quot;&quot;,&quot;pxl_animate&quot;:&quot;&quot;}\" data-layout=\"masonry\">\n    \n    <div class=\"pxl-grid-inner pxl-grid-masonry row\" data-gutter=\"15\">\n        <div class=\"grid-sizer col-xl-4 col-lg-6 col-md-6 col-sm-12 col-12\"><\/div>\n                    <div class=\"pxl-grid-item col-xl-4 col-lg-6 col-md-6 col-sm-12 col-12 ongecategoriseerd ongecategoriseerd\">\n                <div class=\"pxl-post--inner \" data-wow-duration=\"1.2s\">\n                                        \n                    <div class=\"pxl-post--featured hover-imge-effect2\">\n                        <a href=\"https:\/\/wilink.be\/nl\/fiscale-optimalisatie-2026\/\">\n                            <img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2026\/09\/DTS_On_The_Job_Daniel_Faro_Photos_ID6625-370x418.jpg\" width=\"370\" height=\"418\" alt=\"DTS_On_The_Job_Daniel_Faro\u0300_Photos_ID6625\" title=\"DTS_On_The_Job_Daniel_Faro\u0300_Photos_ID6625\" \/>                        <\/a>\n                        \t                    \n                    <\/div>\n                \n\n                <div class=\"wilink-grid-card-content-wrapper\">\n                    <h3 class=\"pxl-post--title title-hover-line\"><a href=\"https:\/\/wilink.be\/nl\/fiscale-optimalisatie-2026\/\">Fiscale optimalisatie 2026<\/a><\/h3>\n\t                                        <div class=\"pxl-post--content\">\n\t\t\t                \t\t\t\t                Ontdek de plafonds voor 2026 voor pensioensparen, VAPZ, sociaal VAPZ en IPT. Maak een afspraak met onze experts.\t\t\t                                        <\/div>\n\t                \t                                        <div class=\"pxl-post--button\">\n                            <a class=\"btn--readmore\" href=\"https:\/\/wilink.be\/nl\/fiscale-optimalisatie-2026\/\">\n                            <span class=\"btn--text\">\n                                Lees meer                            <\/span>\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"36\" x=\"0\" y=\"0\" viewBox=\"0 0 1560 1560\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g transform=\"matrix(1,0,0,1,4.999999999999545,4.547473508864641e-13)\"><path d=\"M1524 811.8H36c-17.7 0-32-14.3-32-32s14.3-32 32-32h1410.7l-194.2-194.2c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l248.9 248.9c9.2 9.2 11.9 22.9 6.9 34.9-5 11.9-16.7 19.7-29.6 19.7z\" fill=\"#0a1119\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M1274.8 1061c-8.2 0-16.4-3.1-22.6-9.4-12.5-12.5-12.5-32.8 0-45.3l249.2-249.2c12.5-12.5 32.8-12.5 45.3 0s12.5 32.8 0 45.3l-249.2 249.2c-6.3 6.3-14.5 9.4-22.7 9.4z\" fill=\"#0a1119\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\n                            <\/a>\n                        <\/div>\n\t                                <\/div>\n            <\/div>\n        <\/div>\n                    <div class=\"pxl-grid-item col-xl-4 col-lg-6 col-md-6 col-sm-12 col-12 ongecategoriseerd\">\n                <div class=\"pxl-post--inner \" data-wow-duration=\"1.2s\">\n                                        \n                    <div class=\"pxl-post--featured hover-imge-effect2\">\n                        <a href=\"https:\/\/wilink.be\/nl\/nieuwe-belasting-op-meerwaarden-2\/\">\n                            <img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2025\/10\/iStock-2218948597-370x418.jpg\" width=\"370\" height=\"418\" alt=\"people walking and talking in the hallway\" title=\"Diverse businesspeople walking and talking in modern office hallway\" \/>                        <\/a>\n                        \t                    \n                    <\/div>\n                \n\n                <div class=\"wilink-grid-card-content-wrapper\">\n                    <h3 class=\"pxl-post--title title-hover-line\"><a href=\"https:\/\/wilink.be\/nl\/nieuwe-belasting-op-meerwaarden-2\/\">De Transparantiewet en de gevolgen voor aanvullende verzekeringen<\/a><\/h3>\n\t                                        <div class=\"pxl-post--content\">\n\t\t\t                \t\t\t\t                De Transparantiewet heeft tot doel de informatieverplichtingen voor alle aanvullende pensioenregelingen, ongeacht of deze worden beheerd...\t\t\t                                        <\/div>\n\t                \t                                        <div class=\"pxl-post--button\">\n                            <a class=\"btn--readmore\" href=\"https:\/\/wilink.be\/nl\/nieuwe-belasting-op-meerwaarden-2\/\">\n                            <span class=\"btn--text\">\n                                Lees meer                            <\/span>\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"36\" x=\"0\" y=\"0\" viewBox=\"0 0 1560 1560\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g transform=\"matrix(1,0,0,1,4.999999999999545,4.547473508864641e-13)\"><path d=\"M1524 811.8H36c-17.7 0-32-14.3-32-32s14.3-32 32-32h1410.7l-194.2-194.2c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l248.9 248.9c9.2 9.2 11.9 22.9 6.9 34.9-5 11.9-16.7 19.7-29.6 19.7z\" fill=\"#0a1119\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M1274.8 1061c-8.2 0-16.4-3.1-22.6-9.4-12.5-12.5-12.5-32.8 0-45.3l249.2-249.2c12.5-12.5 32.8-12.5 45.3 0s12.5 32.8 0 45.3l-249.2 249.2c-6.3 6.3-14.5 9.4-22.7 9.4z\" fill=\"#0a1119\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\n                            <\/a>\n                        <\/div>\n\t                                <\/div>\n            <\/div>\n        <\/div>\n                    <div class=\"pxl-grid-item col-xl-4 col-lg-6 col-md-6 col-sm-12 col-12 ongecategoriseerd\">\n                <div class=\"pxl-post--inner \" data-wow-duration=\"1.2s\">\n                                        \n                    <div class=\"pxl-post--featured hover-imge-effect2\">\n                        <a href=\"https:\/\/wilink.be\/nl\/hoe-financiert-u-uw-woning\/\">\n                            <img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/wilink.be\/wp-content\/uploads\/2026\/09\/3d81fac1-1e94-4c62-9f71-55987e0ef255-370x418.png\" width=\"370\" height=\"418\" alt=\"3d81fac1-1e94-4c62-9f71-55987e0ef255\" title=\"3d81fac1-1e94-4c62-9f71-55987e0ef255\" \/>                        <\/a>\n                        \t                    \n                    <\/div>\n                \n\n                <div class=\"wilink-grid-card-content-wrapper\">\n                    <h3 class=\"pxl-post--title title-hover-line\"><a href=\"https:\/\/wilink.be\/nl\/hoe-financiert-u-uw-woning\/\">Hoe financiert u uw woning?<\/a><\/h3>\n\t                                        <div class=\"pxl-post--content\">\n\t\t\t                \t\t\t\t                Een goeie tip? Beantwoord de 4 cruciale vragen: WIE, WAT, HOE, WAARBORGEN!\t\t\t                                        <\/div>\n\t                \t                                        <div class=\"pxl-post--button\">\n                            <a class=\"btn--readmore\" href=\"https:\/\/wilink.be\/nl\/hoe-financiert-u-uw-woning\/\">\n                            <span class=\"btn--text\">\n                                Lees meer                            <\/span>\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"36\" x=\"0\" y=\"0\" viewBox=\"0 0 1560 1560\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g transform=\"matrix(1,0,0,1,4.999999999999545,4.547473508864641e-13)\"><path d=\"M1524 811.8H36c-17.7 0-32-14.3-32-32s14.3-32 32-32h1410.7l-194.2-194.2c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l248.9 248.9c9.2 9.2 11.9 22.9 6.9 34.9-5 11.9-16.7 19.7-29.6 19.7z\" fill=\"#0a1119\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M1274.8 1061c-8.2 0-16.4-3.1-22.6-9.4-12.5-12.5-12.5-32.8 0-45.3l249.2-249.2c12.5-12.5 32.8-12.5 45.3 0s12.5 32.8 0 45.3l-249.2 249.2c-6.3 6.3-14.5 9.4-22.7 9.4z\" fill=\"#0a1119\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\n                            <\/a>\n                        <\/div>\n\t                                <\/div>\n            <\/div>\n        <\/div>\n            <\/div>\n            <div class=\"pxl-grid-pagination\">\n                    <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-19ada18 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"19ada18\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30b6787 pxl-column-none pxl-column-overflow-hidden-no elementor-invisible\" data-id=\"30b6787\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\r\n        <div class=\"elementor-widget-wrap\">\r\n                     \r\n                    <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Beoefenaars van een medisch beroep. Pensioenoplossingen voor zorgprofessionals. Contacteer ons Over Wilink Onze oplossingen voor zelfstandigen Om uw levensstandaard bij pensionering te behouden, is het onmisbaar om op de toekomst te anticiperen. RIZIV. Een jaarlijkse financi\u00eble steun waarmee u uw sociale bescherming kunt optimaliseren en tegelijk een aanvullend pensioen kunt opbouwen. Meer weten Vrij Aanvullend Pensioen voor Zelfstandigen (VAPZ). De onmisbare pensioenspaaroplossing voor zelfstandigen, met een van de hoogste fiscale voordelen. Vraag een offerte aan Individuele Pensioentoezegging (IPT). Het pensioenplan gefinancierd door uw vennootschap om een aanvullend pensioen op maat op te bouwen, met een aantrekkelijk fiscaal rendement. Vraag een offerte aan Sociaal VAPZ. Het omvat niet alleen een aanvullend pensioensparen, maar ook bijkomende sociale waarborgen voor de zelfstandige. Vraag een offerte aan Pensioenovereenkomst voor Zelfstandigen (POZ). Het pensioensparen dat toegankelijk is voor zelfstandigen met een vennootschap, als aanvulling op hun VAPZ en om hun fiscaliteit verder te optimaliseren. Vraag een offerte aan Andere oplossingen. Pensioensparen, langetermijnsparen of beleggen. Vraag een offerte aan De gids met pensioenoplossingen Product Jaarlijks plafond 2025 Fiscaal voordeel \/ rendement Doelgroep VAPZ Tot 4.000,44 \u20ac Aftrek + besparing sociale bijdragen Zelfstandigen, bedrijfsleiders Sociaal VAPZ Tot 4.602,71 \u20ac Idem + solidariteit + dekking Zelfstandigen, bedrijfsleiders POZ Variabel (max. 80 %) 30 % aftrek, \u20134,4 % taks Zelfstandigen (natuurlijke persoon) IPT Volgens de 80%-regel Vennootschapsfiscaliteit, simulatie Bedrijfsleiders met vennootschap Pensioensparen 1.050 \u20ac of 1.350 \u20ac 30 % of 25 % Iedereen Langetermijnsparen 2.530 \u20ac 30 % Iedereen Vrij Aanvullend Pensioen voor Zelfstandigen (VAPZ) Voor wie? Voor alle zelfstandigen, als natuurlijke persoon of via een vennootschap, die een aanvullend pensioen willen opbouwen en tegelijk een fiscaal voordeel willen genieten. Waarom? Omdat het wettelijk pensioen van zelfstandigen vaak veel lager ligt dan dat van werknemers: in Belgi\u00eb bedraagt het vandaag ongeveer 900 \u20ac\/maand voor een zelfstandige met een volledige loopbaan. Kenmerken In het kader van een klassiek VAPZ kan de zelfstandige tot 4.086,34 \u20ac per jaar storten. Dat plafond komt overeen met 8,17 % van de netto belastbare beroepsinkomsten. Bij een sociaal VAPZ bedraagt het maximumbedrag dat de zelfstandige kan storten 4.701,54 \u20ac per jaar. Dat plafond komt overeen met 9,40 % van de netto belastbare beroepsinkomsten. Contacteer ons De Pensioenovereenkomst voor Zelfstandigen (POZ) De Pensioenovereenkomst voor Zelfstandigen (POZ) is een pensioenspaarformule voor zelfstandigen als natuurlijke persoon (bv. vrije beroepen, eenmanszaken, meewerkende echtgenoten). Ze laat toe een aanvullend pensioen op te bouwen, bovenop het VAPZ, en tegelijk te genieten van aantrekkelijke fiscale voordelen. Aanzienlijk fiscaal voordeel Aanzienlijk fiscaal voordeel: belastingvermindering van 30 % op de gestorte premies (te verhogen met de gemeentebelasting) 80%-regel 80%-regel (aangepast aan de POZ): de stortingen worden begrensd zodat het wettelijk en aanvullend pensioen samen niet meer bedraagt dan 80 % van het referentie-inkomen, berekend op het gemiddelde van de laatste drie jaar Flexibiliteit van de beleggingen Flexibiliteit van de beleggingen: mogelijkheid om de premies te verdelen tussen Tak 21 (gewaarborgd kapitaal) en Tak 23 (beleggingsfondsen met een potentieel hoger rendement) Fiscaliteit op de eindvervaldag Fiscaliteit op de eindvervaldag: bij pensionering of overlijden wordt het kapitaal belast aan 10 % (daarbovenop komen de RIZIV-bijdrage van 3,55 % en de solidariteitsbijdrage van maximaal 2 %) Afspraken maken FAQ &#8211; Aanvullend pensioen voor medische beroepen Duidelijke antwoorden op de vragen die u zich stelt voordat u contact met ons opneemt Waarom is een aanvullend pensioen essentieel voor medische beroepen? Het wettelijk pensioen van zelfstandigen bedraagt ongeveer 900 \u20ac per maand voor een volledige loopbaan. Een aanvullend pensioen laat u toe die kloof te dichten en tegelijk uw belastbare basis te verlagen. Wat is het VAPZ-plafond 2026 voor een zelfstandige arts? In 2026 bedraagt het plafond van het klassieke VAPZ 4.086,34 \u20ac per jaar. Dat bedrag komt overeen met 8,17 % van uw netto belastbare beroepsinkomsten en is volledig aftrekbaar. VAPZ of IPT: welke oplossing voor een bedrijfsleider met vennootschap? Het VAPZ richt zich tot zelfstandigen als natuurlijke persoon. De IPT wordt gefinancierd door uw vennootschap en is geschikt voor bedrijfsleiders met een vennootschap, met een volledige fiscale aftrek van de premies volgens de 80%-regel. Hoe vraagt u de RIZIV-premie aan als geconventioneerde zorgverlener? De RIZIV-premie is een jaarlijkse financi\u00eble steun voorbehouden aan geconventioneerde zorgverleners. Wij begeleiden u bij de stappen om ze te verkrijgen en in uw pensioenstrategie te integreren. Wat is het verschil tussen het klassieke VAPZ en het sociaal VAPZ? Met het sociaal VAPZ kunt u tot 4.701,54 \u20ac per jaar storten, een hoger plafond dan bij het klassieke VAPZ. Het voegt sociale waarborgen toe, zoals het voortzetten van de pensioenopbouw bij arbeidsongeschiktheid. Onze experts begeleiden u op basis van uw behoeften Gepersonaliseerde oplossingen, speciaal voor u ontworpen. Over Wilink Nieuws in de kijker Ontdek het laatste nieuws over uiteenlopende onderwerpen. Fiscale optimalisatie 2026 Ontdek de plafonds voor 2026 voor pensioensparen, VAPZ, sociaal VAPZ en IPT. Maak een afspraak met onze experts. Lees meer De Transparantiewet en de gevolgen voor aanvullende verzekeringen De Transparantiewet heeft tot doel de informatieverplichtingen voor alle aanvullende pensioenregelingen, ongeacht of deze worden beheerd&#8230; Lees meer Hoe financier u uw woning? Een goeie tip? Beantwoord de 4 cruciale vragen: WIE, WAT, HOE, WAARBORGEN! Lees meer<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":19401,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-30899","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pensioen voor zelfstandigen \u2013 VAPZ, POZ, IPT &amp; advies | Wilink<\/title>\n<meta name=\"description\" content=\"Ontdek pensioenoplossingen voor zelfstandigen: Vrij Aanvullend Pensioen (VAPZ), Pensioenovereenkomst (POZ), IPT en sociaal VAPZ. 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