Build a six-figure pension through your company. Without the drag.
Most Belgian management-company owners either pay too much inside a or 23 contract, or don't use the vehicle at all. Warren rebuilt the as a transparent : corporate-deductible going in, 1% AUM going through, 16.5% coming out. No commission, no captive funds.
- Structure-regulated OFP
- Fee modelNo entry fee, 1%
- Investments3 ETF-based portfolios
- Target returns4,4% to 5,95%
How much more pension you can actually build.
Drag the sliders. Net of the 16.5% exit tax at 67 and the AUM cost of each contract. Costs and returns count for more than people realise. Over the years the gap gets large.
More in your pocket than a classic Branch 21, after the 16.5% exit tax. About € 3.592 every year you wait.
- Branch 21 net capital
- € 207.751
- Warren net capital
- € 304.731
Your contribution
Indicative simulation, not a guarantee. Net expected return = gross expected return minus annual fee. Net at 67 = net premium (contribution minus entry fee) compounded at the net expected return, then taxed at 16.5% IPP at age 67. Statutory social contributions apply on top. FSMA gross benchmarks used: 1.98% Branch 21, 5.44% , 5.44% Warren OFP.
What you sign decides how you retire.
The Belgian state pension covers a fraction of the cost of living after 65, and the director's replacement rate is lower than a salaried employee's. The IPP is yours to set. Branch 21 has been quietly underperforming inflation; Branch 23 leaks 2 to 3% every year in AUM drag. Warren rebuilt the IPP so it actually does its job.
State pension for company directors. Indicative average.
€ 107 below cost of living
€ 216 buffer above cost of living
Costs you about € 3.592 in future retirement capital.
Modelled on €600/month for 27 years, Warren vs Branch 21. Same math as the calculator above.
Three reasons
Same euros leaving your company. Wildly different pension capital.
If you have 2.000€ available in your company, what is the best way to build long term capital for your pension? Salary, dividend or Warren IPP? Same money, very different outcomes.
- Salary
- 2.000€
- Dividend
- 2.000€
- Warren IPP
- 2.000€
- Salary
- 2.000€
- Dividend
- 0€
- Warren IPP
- 2.000€
- Salary
- 0€
- Dividend
- 500€
- Warren IPP
- 0€
- Salary
- 1.000€
- Dividend
- 450€
- Warren IPP
- 0€
- Salary
- 1.000€
- Dividend
- 1.050€
- Warren IPP
- 2.000€
- Salary
- 4.900€
- Dividend
- 5.145€
- Warren IPP
- 7.363€
- Salary
- 390€
- Dividend
- 409€
- Warren IPP
- 1.215€
- Salary
- 4.510€
- Dividend
- 4.735€
- Warren IPP
- 6.148€
Indicative. Always confirmed against your situation by your accountant and a Warren expert.
From first call to live contract. We guide you through the process.
Transparent pricing. No black box.
1% per year on managed assets. ETF provider costs add 0.16%. No entry fee, no exit fee. Belgian Branch 21 and 23 contracts typically run 2 to 3% all-in once you read the small print. The difference stays and compounds for you.
- ✓Personalised 80% calculation, year by year
- ✓Backservice modelling and full tax certificate
- ✓Transfer-in from your existing Branch 21 or 23 contract
- ✓Annual reviews and contribution adjustments when salary changes
- ✓Mortgage-collateral support without touching the principal
- ✓ETF-based portfolio, FSMA-supervised, audited annually
No setup fee. No exit fee.
Traditional group insurance is a black box compared to what we now have at Warren.
Before Warren, 99% of our employees had close to no knowledge about their pension plans: how much was invested, what was it actually invested in. Warren made it feel like the first time a benefits product showed people what they already have, and made them value it more.
Our goal is to empower people to grow and take ownership. Warren helps us do the same when it comes to their finances.
Traditional group insurance doesn't cut it anymore. Warren offers a collective benefit our people actually care about.
Let's go for innovation, not just in our products, but in how we care for our people. Warren helps us bring that vision to life.
What owners actually ask first.
If yours isn't here, bring it to the intake call. We answer anything in writing afterwards too.
Any business leader (zaakvoerder) with an active company in Belgium. If your company pays you a salary, you are eligible. Warren handles the setup end to end.
See your IPP on your own numbers.
Bring your salary history and current pension setup. We'll calculate your exact 80% ceiling, surface the unused backservice capacity, and project the capital plus tax saved. Whether you sign or not, you keep the model.
- ✓Your exact 80% rule ceiling, year by year
- ✓Backservice gap calculation - up to 10 years back
- ✓Projected capital at retirement + total tax saved
- ✓Tax documentation prepared for your accountant
Trusted by Ellen from Yuki, Eveline from Bizzy & many more.
Due to overwhelming interest, the current wave is fully booked. We onboard companies in waves so every management company gets the attention an IPP requires. The next wave starts soon, so join the waitlist now to secure your spot.