Pension savings barometer
How are pension savings insurance policies and funds performing in Belgium?
Results based on 172 formulas we compare daily.
- Without capital guarantee Gross returns of pension savings insurance policies and funds without capital guarantee (Branch 23 or Bank)
- With capital guarantee Gross returns from pension savings insurance policies with capital guarantee (Branch 21)
| Return of 158 formulas compared | 2024 | 3 years | 5 years | 7 years | 10 years |
|---|---|---|---|---|---|
| Average Average gross annual return across all formulas included in the equation | 6,35% | 8,75% | 4,41% | 6,59% | 4,93% |
| Best Result of the formula with the highest gross annual return in this category and over a period of time | 32,95% | 28,76% | 17,94% | 21,72% | 18,99% |
| Worst Result of the formula with the lowest gross annual return in this category and over a period of time | -5,98% | -6,89% | -3,78% | -1,09% | -1,24% |
| Return of 9 formulas compared | This year Return refers to the current guaranteed interest rate for the deposit you make today. This may be supplemented by a profit share depending on the results, but those for 2024 will not be published until the first half of 2025. A low guaranteed return could therefore potentially give you the highest profit share. | 2024 | 3 years | 5 years | 7 years | 10 years |
|---|---|---|---|---|---|---|
| Average Average gross annual return across all formulas included in the equation | 1,13% | 1,47% | 1,39% | 1,41% | 1,69% | |
| Best Result of the formula with the highest gross annual return in this category and over a period of time | 2,00% | 2,07% | 2,00% | 1,94% | 1,99% | |
| Worst Result of the formula with the lowest gross annual return in this category and over a period of time | 0,00% | 0,08% | 0,15% | 0,19% | 1,25% |
Last update: 2025-01-02
About this pension savings barometer
The returns shown in the pension savings barometer are gross returns based on 167 products in Belgium and do not reflect personal advice. It includes the analysis of both pension savings insurance (Branch 21 and 23) and pension savings funds (Bank). Past results are not a reliable indicator of future results. The gross returns also do not take into account entry and exit costs or taxes.
Wondering how much pension savings can profit you?
January 2, 2025
Analysis
John Romain
Good year for retirement savings funds and insurance!
The stock markets posted great results in 2024, with strong performances for many retirement savings funds and retirement savings insurance as well. Yet the differences in returns between different retirement savings were never so great.
It is more important than ever today to make the right choice and also remember to look at the long term! Fiscal retirement savings is still one of the most responsible financial decisions you can make.
Is a bad stock market year detrimental to my pension savings?
Good news if you're between the ages of 25 and 35! Some pension savings products are more susceptible to fluctuations in returns than others. If the stock market crashes like today, that's an opportunity for young people. This is because with the same deposit today, you are buying shares cheaply and therefore more of them. It will greatly increase your returns at the end of at least 30 years.
If you are 64 years old today and need your money tomorrow and still invest 100% in stocks, a bad stock market year can be detrimental. If you have invested in the worst-performing pension savings formula this year, you will receive a lot less capital today when you opt out.
Fiscal pension savings
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