Warren
IPT · Individuele Pensioentoezegging

Build a six-figure pension through your company with an IPT.

Most Belgian management-company owners either pay too much in a Branch 21 or 23 IPTs, or don't have one at all. Warren rebuilt the IPT as a transparent Pension Fund (OFP) with lower fees and institutional-grade ETF investments. No entry fees, no hidden commissions.

Run the numbersRequest an intake
FSMA-licensed OFP · IORP II compliant · No hidden fees
Live calculator

How much more pension you can actually build.

Your choice makes the difference. Costs and returns count for more than people realise. Over the years the gap gets huge.

Warren advantage at 67 · 27 yrs
€97k

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

€/mo
years
Years until retirement67 − 40 = 27 yrs
Total contributions€ 194.400
Net capital at 67 · same gross contributions
ProductEntry feeGross expected returnAnnual feeNet expected returnNet at 67
Branch 21 IPT2.52%1.98%0.04%1.94%€ 207.751
Branch 23 IPT1.87%5.44%2.12%3.32%€ 257.259
Warren OFP0.00%5.44%1.16%4.28%€ 304.731

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% IPT at age 67. Statutory social contributions apply on top. FSMA gross benchmarks used: 1.98% Branch 21, 5.44% Branch 23, 5.44% Warren OFP.

Your responsibility

How you invest determines how you retire.

The Belgian state pension covers a fraction of the cost of living after you retire, but it won't be enough to sustain your lifestyle. The IPT is your tool to close the gap. Branch 21 has been quietly underperforming inflation. Branch 23 comes with high entry and annual fees. Warren rebuilt the IPT so it actually does its job.

Monthly retirement income · illustrative Belgian director
Cost of living · € 2.400/mo
Pillar 1 only€ 1.600/mo

State pension for company directors. Indicative average.

Pillar 1 + Branch 21 IPT€ 2.293/mo

€ 107 below cost of living

Pillar 1 + Warren IPT€ 2.616/mo

€ 216 buffer above cost of living

Every year you wait

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.

Rerun your numbers

Three reasons

Layer 01 · Deductibility

Your company pays. Your future self collects.

Premiums are paid by the company and deducted from corporate tax, inside the 80% rule. You don't pay any personal income tax or social contributions on the premiums paid by the company.

Layer 02 · Tax out

16.5% at retirement. Not 30%, not 50%.

The final capital is taxed at the preferential rate of 10% if you take your capital at or after the legal retirement age, provided you have remained professionally active or have completed a 45-year career. With additional social contributions of 6.5%, for a total of 16.5%, this is well below the 30% on dividends or marginal rates on salary.

Layer 03 · Usable before 67

Collateral for a mortgage, not a frozen account.

Your IPT can serve as collateral for the acquisition of real estate anywhere within the European Union without touching the capital. The money keeps compounding while you buy your family or vacation home.

Three ways out

Same euros leaving your company. Wildly different tax bill.

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 IPT? Same money, very different outcomes.

Available cash
Salary
2.000€
Dividend
2.000€
Warren IPT
2.000€
Deductible expense
Salary
2.000€
Dividend
0€
Warren IPT
2.000€
Corporate tax
Salary
0€
Dividend
500€
Warren IPT
0€
Personal tax
Salary
1.000€
Dividend
450€
Warren IPT
0€
Invested
Salary
1.000€
Dividend
1.050€
Warren IPT
2.000€
After 30 years at 4.91%
Salary
4.900€
Dividend
5.145€
Warren IPT
7.363€
Tax at 67
Salary
390€
Dividend
409€
Warren IPT
1.215€
Net pension capital
Salary
4.510€
Dividend
4.735€
Warren IPT
6.148€

Indicative. Always confirmed against your situation by your accountant and a Warren expert.

How the switch works

From first call to live contract. The FSMA filings, transfer of legacy reserves and ongoing admin all sit with us.

  1. 01 · Intake

    A 30-minute call on your setup.

    You bring your salary history, current IPT contract and the questions you've been parking. We look at how Warren can help you build a healthier pension.

  2. 02 · Tailored model

    Your real numbers, side by side.

    We model your exact 80% ceiling, your projected capital with your current set up and how much extra capital you can build with Warren, delivered in an interactive simulation where you can see the impact of your choices.

  3. 03 · Transfer-in

    Contract migration.

    You handle the resignation of your current contract. We handle the transfer of your reserves and coordinate the paperwork. You sign once.

  4. 04 · Live

    App, dashboard

    Reserves, projected capital and unused 80% room update in real time. Annual reviews, contribution adjustments run in the background.

Pricing

Transparent pricing. No black box.

1% per year on managed assets. ETF provider costs add 0.16%. No entry fee, no exit fee, no retrocession. Branch 23 contracts typically run 2 to 3% all-in once you read the small print. The difference stays in your reserve, compounding for you.

1%
per year · all-in
  • ✓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
Request an IPT intake

No setup fee. No exit fee. No retrocession. Ever.

In their own words

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 someone built a benefits product for the people receiving it.

Stijn Devriese
Stijn Devriese
People operations coordinator · Lighthouse
Our goal is to empower people to grow and take ownership. Warren helps us do the same when it comes to their finances.
Tom Vroemans
Tom Vroemans
CEO · November Five
Traditional group insurance doesn't cut it anymore. Warren offers a collective benefit our people actually care about.
Eveline Van Belle
Eveline Van Belle
Head of People · Bizzy
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.
Ellen Sano
Ellen Sano
CEO · Yuki
More customer stories
Before you book

What owners actually ask first.

If yours isn't here, bring it to the intake call.

  • 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.

30 minutes · on your company & salary

See your IPT 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
Ellen
Tom
Eveline

Trusted by Ellen from Yuki, Tom from November Five, Eveline from Bizzy & many more.

IPT intake