Articles, decoded not pitched.
More articles.
What "Tak 21" actually means, in four minutes.
Tak 21 is a tax category for life-insurance contracts where your capital is guaranteed. The bank promises you cannot lose your principal. In exchange, the return is low. Often below inflation.
The 80% rule, explained without the spreadsheet.
The 80% rule caps total pension benefits (statutory plus supplementary) at 80% of final gross salary over a normal career. Most directors discover it years after they could have started filling the gap.
The half-percent fee that eats a quarter of your pension.
Total cost of ownership in a Belgian groepsverzekering routinely sits in the 0.8 to 1.2% range. Over a career, that compounds into 20 to 25% of the final capital. Most members never see the number.
The 30-minute pijler-2 audit every HR team should run.
Most HR teams have never been asked to produce a single-page summary of their pension benefit's real cost, real outcome, and real engagement. A short audit changes that.
The financial-stress tax most companies are quietly paying.
Recent Vlerick, KBC and Deloitte work converges on a single uncomfortable point: financial stress is now the largest source of stress at work, and it shows up in numbers HR already tracks.