As a company director with a corporation, it is important to plan not only your business but also your personal financial future well. With an Individual Pension Commitment (IPC) you build up an additional pension through your company in a tax-efficient way.
An IPC is one of the most commonly used pension solutions for company directors. Your company pays the premiums, while you personally build up extra pension capital for the future. In this way, you combine pension accumulation, tax optimisation, and financial security.
An Individual Pension Commitment (IPT) is a pension insurance policy taken out by a company for its managing director. Through this insurance, the managing director builds up an additional pension on top of the statutory pension.
The premiums are paid by the company and, under certain conditions, are tax-deductible as an expense for the company. The accumulated capital is paid out upon retirement or, in some cases, can also be used for real estate financing.
An IPT can also include additional guarantees, such as death coverage or protection in the event of disability.
Covers the accumulation of supplementary pension benefits through your company.
Covers fiscal optimization because premiums are tax-deductible as an expense for the company.
Provides financial protection for your family through a death benefit.
Offers extra security in case of disability through additional guarantees.
An IPT is intended for company directors who work through a corporation and want to top up their pension in a tax-efficient way. Another important condition is that the director pays themselves a fixed gross salary every month.
Typical target groups are:
For self-employed persons without a corporation, an Individual Pension Agreement for the Self-Employed (VAPZ) is often the first step in pension accrual.
The premium of an IPC depends on various factors, such as:
Within these limits, your company can make premium payments that are tax-deductible, making an IPT often a very efficient pension solution for company directors. An advisor will help you determine the optimal premium and structure.
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