Pension savings barometer
How are pension savings insurance policies and funds performing in Belgium?
Results based on 140 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 131 formulas compared | Average Average gross annual return across all formulas included in the equation | Best Result of the formula with the highest gross annual return in this category and over a period of time | Worst Result of the formula with the lowest gross annual return in this category and over a period of time |
|---|---|---|---|
| YTD | 3,3% | 12,9% | -3,2% |
| 1 year | -14,3% | 0,0% | -46,7% |
| 3 years | -0,8% | 11,6% | -13,2% |
| 5 years | 0,6% | 11,0% | -6,0% |
| 7 years | 1,9% | 12,6% | -3,0% |
| 10 years | 3,2% | 13,7% | -3,4% |
| Return of 9 formulas compared | Average Average gross annual return across all formulas included in the equation | Best Result of the formula with the highest gross annual return in this category and over a period of time | Worst Result of the formula with the lowest gross annual return in this category and over a period of time |
|---|---|---|---|
| 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 This may be supplemented by a profit share depending on the results, but those for 2022 will not be published until the first half of 2023. A low guaranteed return could therefore potentially give you the highest profit share. | 0,6% | 1,6% | 0,0% |
| 1 year | 0,7% | 2,0% | 0,0% |
| 3 years | 0,8% | 1,9% | 0,0% |
| 5 years | 1,2% | 1,9% | 0,6% |
| 7 years | 1,4% | 1,9% | 1,0% |
| 10 years | 1,9% | 2,2% | 1,7% |
Last update: 2023-04-01
About this pension savings barometerWondering how much pension savings can profit you?
April 1, 2023
Analysis
John Romain
Maintain a long-term vision
There has been a lot of media coverage in the past fall about the impact the financial crisis is having on pension savings funds. It is true that a lot of funds are performing poorly, but that does not mean that this will weigh heavily in the end.
Don't forget to think long-term! Fiscal pension 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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