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Your tax burden is determined by the so-called pension allowance, which in turn depends on the year of retirement. The following applies:
2005 or earlier (50% taxable)
from the year 2015 (70 %),
from 2021 (84%)
From 2022 (85%)
However, you only have to pay actual taxes when the taxable pension portion exceeds the tax-free allowance: That is 9,984 euros for single people and 19,968 euros for married people. If you have other expenses, for example for a tax advisor or pension advisor, you can declare them in the tax settlement and further reduce your tax burden.
Our experts are familiar with the tax-implications of most investments available and can also inform you about other tax-deductibles that you could take advantage of.
You can simulate those investments in our mobile app alongside inflation and interest rates.
We regularly help our clients optimizing their investments for tax-efficiency.
Get in touch with our experts to review your options.