Vesting Foundation

• Open a vested benefits account when the termination payment comes from a single vested benefits case
• Open two vested benefits accounts to optimise cash flow when termination payments come from two separate cases of vested benefits (NB: tax consequences, see below)
• Open a vested benefits account to optimise cash flow when termination payments come from two separate vested benefits cases, as well as a second vested benefits account with another vested benefits institution
• Open a vested benefits account if there are surplus assets from the termination payment transfered by the same or a previous employer
• Open a vested benefits account, or two acccounts with two separate vested benefit institutions, to optimise cash flow if there are surplus assets from the termination payment transfered by the same or a previous employer
• In the event of a change in employer, open a vested benefits account for no more than two years before transferring the termination payment to the occupational benefits institution of the new employer, if the termination payment comes from a 1e solution and the aforesaid employer is not affiliated with a 1e solution (in consultation)
• In the event of a change in employer, open a vested benefits account for no more than two years before transferring the assets to the occupational benefits institution of the new employer if the termination payment comes from a 1e solution and the aforesaid employer is not affiliated with a 1e solution. In the event of surplus assets, two accounts may be opened with two separate vested benefits institutions in order to optimise cash flow (in consultation)

• Access transparent predetermined costs, adjusted in accordance with your estimated pension assets
• Enjoy a highly advantageous premium rate for death and disability risks, often significantly lower than that charged for equivalent benefits in the private sector (current)
• By occasionally investing a little bit more, you are choosing transparency, peace of mind, and the long-term sustainability of your solution

• Select an asset manager from among the Foundation’s partners
• Define an individual asset management profile for each member and implement the investment strategy corresponding to each member’s profile
• Benefit from higher returns as an integral part of each member's pension assets, with equity content reaching up to 100% of each member's pension assets
• Enable each member to obtain a mortgage loan from a mortgage investment institution (IST2) for the purchase of a property

• Reduce a member’s tax burden thanks to tax relief on income generated from the return on pension assets, and wealth tax exemptions for pension assets
• Significantly reduce tax on lump-sum benefits when withdrawals follow a transfer of residence abroad
• Reduce the final tax burden on lump-sum benefits by opening two accounts with different vested benefit institutions and making the withdrawals in separate years
• Reduce the final tax burden on lump-sum benefits by withdrawing them in different years using the encouragement of home ownership scheme
• Reduce the tax burden on pension assets by disbursing them to one or more beneficiaries designated by the member

• Create substantial retirement savings capital
• Plan a lump-sum withdrawal in the event of early retirement as of age 59 or 60, or deferred retirement until age 69 or 70
• Anticipate the closure of vested benefit accounts after 31.12.2029 when a member reaches age 69 and is no longer gainfully employed
• Plan ahead to use pension assets for the purchase of a own home either by way of lump-sum withdrawals or pledging
• Plan ahead to use pension assets to reduce the mortgage on your own home
• Plan ahead to use pension assets to become self-employed
• Plan ahead to use pension assets to move abroad

• Guarantee the continuity of death and disability benefits (current)
• In the event of disability, guarantee full payment of accrued pension assets, either upon recognition of the disability, or at retirement (current)
• In the event of death, guarantee full payment of accrued pension assets to entitled beneficiaries

• Exercise extensive control over your pension assets by designating your beneficiaries well-nigh at your discretion
• Exploit the fact that your pension assets are not included in the succession or bankruptcy estate

• Prepare and facilitate the transfer or sale of your business or legal entity, in particular by developing a customised pension strategy
• Rely on clear regulations that are promptly updated (within a few weeks or months, rather than years) in the event of legislative changes

• Simplify your benefits management thanks to a digital portal available 24/7
• Anticipate your financial needs with the help of intelligent customised tools
• Easy access to information about your vested benefits account via a secure platform
• Easy access to information about the investment of your vested benefits via ebanking on a secure platform
• Optimise your pension decisions thanks to accurate individual online simulations
• Simplify your administrative procedures through optimal management via a digital portal
• Automate your processes and eliminate human error

• Ensure your personal data are processed in compliance with the new Data Protection Act
• Protect your sensitive data with high security standards
• Access your documents securely through an encrypted and reliable portal
• Ensure the security of data exchanges with the Foundation thanks to advanced cybersecurity technologies
• Consolidate team confidence through data protection and security

No solution is perfect: we choose to set ourselves apart by being transparent about any less advantageous aspects

Therefore, you will not be able to:

• Obtain retirement pensions with high conversion rates since the Foundation only offers lump-sum capital (current)
• In the event of a change in health status, be guaranteed higher than existing death and disability coverage, or death and disability coverage recalculated to your advantage (current)
• Take full advantage of the potential of a customised solution, designed outside standard parameters, without devoting a minimum amount of time or interest to it

If any of the above situations apply to you, we will be happy to recommend alternatives, even if this means referring you to a competitor.