Your pension as a self-employed person
Running a business may be one of your great passions, but one day, the time for well-deserved rest will come. As a self-employed person, you pay social contributions and are therefore entitled to your statutory pension. Unfortunately, that statutory pension is usually a lot lower than for employees. Fortunately, there are many interesting formulas for supplementing your pension, so you too can enjoy your retirement to the full.
As a self-employed person, it is a good idea to supplement your statutory pension. This can be done in several ways:
The formula that every self-employed person should use is a VSPSS (Voluntary Supplementary Pension Scheme for the Self-Employed). You're already building up savings for later, and you can apply it for tax purposes. The unique thing about a SPSE is that you can also contribute the saved amount as a professional expense, which means you pay less social security contributions.
With a VSPSS, you also benefit from extra protection: disability and invalidity insurance, plus maternity leave compensation. Would you prefer to build up your pension exclusively? Then you can also opt for an ordinary VSPSSS without extra protection.