Building a capital can be done in different ways and for different purposes. We can create a fortune by means of a capital insurance, a capital-account (with or without guarantees) or by reserving your surplus value, or by simply opening a savings account.

There are also different reasons to build a capital. For instance, it can be done for an additional retirement income, for that wonderful house of your dreams or to be able to retire from work early or to save for your children. Based on your personal situation and wishes we draft a plan. We show you different options and advices. We have a good track record in investments products with a guaranteed return on your deposit. This gives you the full benefit of the revenues and avoids any risk.

The capital insurance
You can safe tax free only if you use the savings to amortize the mortgage on your house. This is called a “capital insurance own house” (KEW). This insurance is regulated by strict fiscal conditions. In case you fulfil these conditions, you can save tax-free up to € 137.500 (per person).

In case you have on or more capital insurances concluded before 14 September 1999, you benefit from additional fiscal possibilities. We can advice you on what you can do with this and which choices to consider when you amortize your house. Please feel free to call us for an appointment.

When to consider capital insurance:
• When the lifetime is longer than 15 years, a capital insurance can be an alternative to create a capital, for example for your house, your children or to realise your dreams;
• When you don’t want to pay 1,2% capital gains tax over the savings you have destined for the amortization of your house;
• When you don’t have a (life) annuity deduction and wish to save money for your pension by means of a capital insurance;
• To retire from work before your retirement date.

Saving up for children expenses
You can already start saving money to cover future study expenses for your children. Even though these insurances (concluded after 1999) are taxed with capital gains tax, het could very well be interesting to do so, because these insurances contain a clause on care-taking of children. This means that in case one of the parents/caretakers will decease, the premium will be continued to be paid so the children are guaranteed to be able to study.

Capital gains with limited risk
You want to invest but don’t want to run large risks? Through our capital manager, 85% of your deposit and 70% of your exchange profit is protected against investment risks!

Your goal is to build a capital. Saving offers you security, but with the low interest received, the inflation and possible taxes, there is hardly any building at all. Investing can be an interesting alternative but the risks can scare you off.

If you are looking for the benefits of investing without being exposed to large risks and if you want to have access to your capital at all times, than capital management can be your thing. If you are interested, please call us for an appointment.

Capital gains with deposit guarantees
You like to keep your capital intact, but still want to see it grow. Through our capital managers you can choose from a 100% deposit guarantee and up to 60% growth guarantees. Moreover, you can gain extra growth with a deposit guarantee where you define the limits yourself.
• Possibility of a minimum growth guarantee;
• Chances for significant additional investment growth.

Capital gains with annually 5% dividend
It is possible as well to put your money on an account where you may get a 55 dividend on your money every year.