The state pension on its own leaves a gap against your last salary. The second pillar closes it: a self-employed person contributes to a supplementary scheme on their own account, a company sets one up for its employees. Both come with their own tax treatment — and the scheme becomes a serious argument for keeping a team together.
What it covers
- Building retirement capital beyond the state pension
- An income if you become unable to work
- A death benefit for your family
- The tax treatment specific to supplementary schemes
- A benefit that helps you keep good people
The Baloise products involved
- RCPI — supplementary pension for the self-employed
- Employee Benefits — pension scheme for employees
- Income if you become unable to work
- Death benefit for the member's family
- Support with setting the scheme up and running it
What we need from you
- Your status: self-employed, director or employer
- How many people are to join
- Any existing scheme
- The annual budget you have in mind
