Mythes en misvattingen rond vermogensplanning ontkracht

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class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/es" data-variantfieldname="Link">Spaans</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Verenigde Staten</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tab"> <div class="row"> <div class="row component column-splitter"> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">België</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/nl-be" data-variantfieldname="Link">Nederlands</a> </div> </li> <li> <div class="field-link"> <a href="/fr-be" data-variantfieldname="Link">Frans</a> </div> </li> </ul> </div> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Huidige Pagina:</span> <ul> <li> <div class="field-link"> <a href="/nl-be/expert-insights/myths-about-personal-financial-planning-disproved" data-variantfieldname="Link">Nederlands</a> </div> </li> <li> <div class="field-link"> <a href="/fr-be/expert-insights/myths-about-personal-financial-planning-disproved" data-variantfieldname="Link">Frans</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Tsjechië</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/cs-cz" data-variantfieldname="Link">Tsjechisch</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Danmark</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/da-dk" data-variantfieldname="Link">Deens</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Frankrijk</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/fr-fr" data-variantfieldname="Link">Frans</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Duitsland</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/de-de" data-variantfieldname="Link">Duits</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Hongarije</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/hu-hu" data-variantfieldname="Link">Hongaars</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Italië</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/it-it" data-variantfieldname="Link">Italiaans</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Nederland</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/nl-nl" data-variantfieldname="Link">Nederlands</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Norway</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/nb-no" data-variantfieldname="Link">Noors</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Polen</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/pl-pl" data-variantfieldname="Link">Pools</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Portugal</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/pt-pt" data-variantfieldname="Link">Portugees</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Romania</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/ro-ro" data-variantfieldname="Link">Romanian</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Slowakije</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/sk-sk" data-variantfieldname="Link">Slowaaks</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Spanje</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/es-es" data-variantfieldname="Link">Spaans</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Zweden</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/sv-se" data-variantfieldname="Link">Zweeds</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Verenigd Koninkrijk</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-gb" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tab"> <div class="row"> <div class="row component column-splitter"> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Australia</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-au" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component 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class="language-selector-modal__country-name">India</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-in" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Japan</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/ja-jp" data-variantfieldname="Link">Japans</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Maleisië</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-my" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Nieuw-Zeeland</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-nz" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Filippijnen</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-ph" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Singapore</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/en-sg" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Zuid-Korea</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/ko-kr" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Taiwan</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/zh-tw" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Thailand</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/th-th" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="col-12 col-md-3"> <div class="row"> <div class="component link-list"> <div class="component-content"> <h6 class="language-selector-modal__country-name">Vietnam</h6> <div class="language-selector-modal__page"> <span class="language-selector-modal__page-name">Home:</span> <ul> <li> <div class="field-link"> <a href="/vi-vn" data-variantfieldname="Link">Engels</a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> <div class="row"> <div class="component row-splitter"> <div class="container-fluid"> <div > <div class="row"> <div class="primary-nav"> <span class="primary-nav-overlay-mobile"></span> <div class="ow-primary-nav-wrap"> <nav class="ow-primary-nav" aria-labelledby="primary-nav"> <h5 id="primary-nav" class="sr-only">Primary Navigation</h5> <div class="ow-primary-nav-master"> <div class="ow-primary-nav-level-1-container ow-nav-level-0-open"> <ul class="ow-nav-level-1"> <li class="ow-nav-level-1-item"> <button type="button" class="wk-button wk-button-text ow-nav-level-1-trigger"><span class="ow-nav-level-1-trigger-text">Health</span><span aria-hidden="true" class="wk-icon-chevron-down ow-nav-level-1-chevron"></span></button> <div class="ow-primary-nav-level-2 "> <span class="primary-nav-overlay-desktop"></span> <div class="ow-primary-nav-level-2-wrapper ow-background-fill"> <div class="ow-background-fill-container"> <div class="ow-background-fill-region ow-background-fill-left"></div> <div class="ow-background-fill-region ow-background-fill-right"></div> <div class="ow-primary-nav-level-2-container ow-primary-nav-container"> <div class="ow-primary-nav-group"> <div class="ow-primary-nav-summary"> <div class="ow-primary-nav-content"> <h5 class="ow-nav-level-2-list-heading">Health</h5> <p class="ow-nav-level-2-copy">Betrouwbare klinische technologie en wetenschappelijk onderbouwde oplossingen die zorgen voor effectieve besluitvorming en resultaten in de gezondheidszorg. Gespecialiseerd in oplossingen voor klinische effectiviteit, leren, onderzoek en veiligheid.</p> <a href="/nl-be/health" class="ow-nav-level-2-view-all-link"><span>Meer info</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-items"> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Oplossingen</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/uptodate" class="ow-nav-level-2-link">UpToDate</a><span class="ow-nav-level-2-text">Toonaangevende ondersteuning voor klinische beslissingen</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/ovid" class="ow-nav-level-2-link">Ovid</a><span class="ow-nav-level-2-text">Het betrouwbaarste platform ter wereld voor medisch onderzoek</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/uptodate" class="ow-nav-level-2-link">UpToDate Lexidrug</a><span class="ow-nav-level-2-text">Op bewijs gebaseerde oplossingen voor referenties voor geneesmiddelen</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/ovid/ovid-synthesis" class="ow-nav-level-2-link">Ovid Synthesis</a><span class="ow-nav-level-2-text">Workflowoplossing voor verbeteringen in klinische praktijken</span></li> </ul> <a href="/nl-be/health/our-solutions" class="ow-nav-level-2-view-all-link"><span>Alle oplossingen weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Expert Insights</h6> <ul class="ow-nav-level-2-list ow-less-than-3-list-items"> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/empowering-healthcare-professionals-trusted-unified-cdss" class="ow-nav-level-2-link">Zorgprofessionals betrouwbare en uniforme oplossingen bieden voor ondersteuning bij klinische beslissingen (CDSS)</a></li> </ul> <a href="/nl-be/expert-insights" class="ow-nav-level-2-view-all-link"><span>Alle expertise weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="ow-nav-level-1-item"> <button type="button" class="wk-button wk-button-text ow-nav-level-1-trigger"><span class="ow-nav-level-1-trigger-text">Fiscaliteit & Accounting</span><span aria-hidden="true" class="wk-icon-chevron-down ow-nav-level-1-chevron"></span></button> <div class="ow-primary-nav-level-2 "> <span class="primary-nav-overlay-desktop"></span> <div class="ow-primary-nav-level-2-wrapper ow-background-fill"> <div class="ow-background-fill-container"> <div class="ow-background-fill-region ow-background-fill-left"></div> <div class="ow-background-fill-region ow-background-fill-right"></div> <div class="ow-primary-nav-level-2-container ow-primary-nav-container"> <div class="ow-primary-nav-group"> <div class="ow-primary-nav-summary"> <div class="ow-primary-nav-content"> <h5 class="ow-nav-level-2-list-heading">Fiscaliteit & Accounting</h5> <p class="ow-nav-level-2-copy">We helpen fiscalisten, accountants, boekhoudprofessionals en bedrijven efficiënter te werken, hun productiviteit te verhogen, nieuwe technologie in te zetten en betere resultaten te behalen. Met onze expertise, intelligente software en eenvoudige workflowtools helpen wij organisaties bij het groeien, managen en beschermen van hun activiteiten én die van hun klanten.</p> <a href="/nl-be/tax-and-accounting" class="ow-nav-level-2-view-all-link"><span>Meer info</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-items"> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Oplossingen</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/adsolut/accounting" class="ow-nav-level-2-link">Adsolut Boekhouding</a><span class="ow-nav-level-2-text">De meest volledige boekhoudsoftware op de markt voor accountants en ondernemers</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/adsolut/personal-tax" class="ow-nav-level-2-link">Adsolut Personenbelasting</a><span class="ow-nav-level-2-text">Bereidt uw aangifte in de cloud voor</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/adsolut/annual-accounts" class="ow-nav-level-2-link">Adsolut Jaarrekening</a><span class="ow-nav-level-2-text">Verzekert u van een vlotte jaarafsluiting</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/monkey" class="ow-nav-level-2-link">monKEY</a><span class="ow-nav-level-2-text">Gespecialiseerde databank voor tax, finance & accountancy professionals</span></li> </ul> <a href="/nl-be/tax-and-accounting/our-solutions" class="ow-nav-level-2-view-all-link"><span>Alle oplossingen weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Kennis & Expertise</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/from-weakest-link-to-strongest-defense" class="ow-nav-level-2-link">Van zwakste schakel naar sterkste verdediging: de rol van menselijk kapitaal in de cyberveiligheid van Tax & Accounting</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/10-ai-prompts-for-accountants" class="ow-nav-level-2-link">Accountancy Challenges - E-invoicing en AI: een (r)evolutie in jouw accountancykantoor</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/peppol-vs-edi" class="ow-nav-level-2-link">Is EDI klaar voor de nieuwe e-invoicing regels van 2026?</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/controlling-the-subtle-nuances-of-law-with-ai" class="ow-nav-level-2-link">De subtiele nuances van het recht beheersen met AI</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/ai-always-a-tool-never-the-end-in-itself" class="ow-nav-level-2-link">AI: altijd een middel, nooit het doel op zich</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/attracting-tax-talent" class="ow-nav-level-2-link">Zo maakt u uw kantoor aantrekkelijk voor jong fiscaal talent</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/deadlines-q2" class="ow-nav-level-2-link">Fiscale Jaarkalender 2024: dit zijn de belangrijkste data van kwartaal 2</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/strategy-part-2-know-your-customer" class="ow-nav-level-2-link">Strategie les 2: ken je klant</a></li> </ul> <a href="/nl-be/expert-insights/tax-and-accounting" class="ow-nav-level-2-view-all-link"><span>Alle expertise weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="ow-nav-level-1-item"> <button type="button" class="wk-button wk-button-text ow-nav-level-1-trigger"><span class="ow-nav-level-1-trigger-text">ESG</span><span aria-hidden="true" class="wk-icon-chevron-down ow-nav-level-1-chevron"></span></button> <div class="ow-primary-nav-level-2 "> <span class="primary-nav-overlay-desktop"></span> <div class="ow-primary-nav-level-2-wrapper ow-background-fill"> <div class="ow-background-fill-container"> <div class="ow-background-fill-region ow-background-fill-left"></div> <div class="ow-background-fill-region ow-background-fill-right"></div> <div class="ow-primary-nav-level-2-container ow-primary-nav-container"> <div class="ow-primary-nav-group"> <div class="ow-primary-nav-summary"> <div class="ow-primary-nav-content"> <h5 class="ow-nav-level-2-list-heading">ESG</h5> <p class="ow-nav-level-2-copy">Uitgebreide tools en deskundige begeleiding die bedrijven helpen te voldoen aan regelgeving bij duurzaamheidsinitiatieven en efficiënt om te gaan met risico’s op het gebied van ESG.</p> <a href="/nl-be/esg" class="ow-nav-level-2-view-all-link"><span>Meer info</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-items"> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Oplossingen</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/cch-tagetik/esg-sustainability-performance-management" class="ow-nav-level-2-link">CCH Tagetik</a><span class="ow-nav-level-2-text">Gecentraliseerde prestatiebeheersoftware</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/onesumx-for-finance-risk-and-regulatory-reporting/onesumx-for-esg" class="ow-nav-level-2-link">OneSumX</a><span class="ow-nav-level-2-text">Ontdek onze ESG-oplossing voor het omgaan met klimaatrisico’s en regelgeving</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/teammate/esg" class="ow-nav-level-2-link">TeamMate</a><span class="ow-nav-level-2-text">Oplossingen voor auditors</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/enablon" class="ow-nav-level-2-link">Enablon</a><span class="ow-nav-level-2-text">Softwareoplossingen voor risicobeheer en compliance, techniek en bedrijfsvoering en EHSQ en duurzaamheid</span></li> </ul> </div> </div> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Kennis & Expertise</h6> <ul class="ow-nav-level-2-list ow-less-than-3-list-items"> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/duurzaamheidsrapport-straks-verplicht-voor-kmos" class="ow-nav-level-2-link">Duurzaamheidsrapport straks verplicht voor kmo’s? Dit moet je weten </a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/esg-reporting-interview-hildegard-deweerdt" class="ow-nav-level-2-link">HSE-expert 2.0 volgens ESG-regelgeving</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/esg-reporting-preparation" class="ow-nav-level-2-link">Duurzaamheidsrapportage: hoe bereidt u zich voor?</a></li> </ul> <a href="/nl-be/expert-insights/esg?f:interestarea=ESG" class="ow-nav-level-2-view-all-link"><span>Alle expertise weergeven </span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="ow-nav-level-1-item"> <button type="button" class="wk-button wk-button-text ow-nav-level-1-trigger"><span class="ow-nav-level-1-trigger-text">Finance & Beheer</span><span aria-hidden="true" class="wk-icon-chevron-down ow-nav-level-1-chevron"></span></button> <div class="ow-primary-nav-level-2 "> <span class="primary-nav-overlay-desktop"></span> <div class="ow-primary-nav-level-2-wrapper ow-background-fill"> <div class="ow-background-fill-container"> <div class="ow-background-fill-region ow-background-fill-left"></div> <div class="ow-background-fill-region ow-background-fill-right"></div> <div class="ow-primary-nav-level-2-container ow-primary-nav-container"> <div class="ow-primary-nav-group"> <div class="ow-primary-nav-summary"> <div class="ow-primary-nav-content"> <h5 class="ow-nav-level-2-list-heading">Finance & Beheer</h5> <p class="ow-nav-level-2-copy">Onze oplossingen voor gereguleerde financiële diensten en instellingen helpen klanten om aan hun verplichtingen te voldoen tegenover externe toezichthouders. Wij zijn gespecialiseerd in het samenbrengen en optimaliseren van processen voor een real-time, accurate weergave van uw financiële positie.</p> <a href="/nl-be/finance" class="ow-nav-level-2-view-all-link"><span>Meer info</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-items"> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Oplossingen</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/cch-tagetik" class="ow-nav-level-2-link">CCH Tagetik</a><span class="ow-nav-level-2-text">Gecentraliseerde prestatiebeheersoftware</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/adsolut/erp" class="ow-nav-level-2-link">Adsolut Kmo-beheer</a><span class="ow-nav-level-2-text">ERP-software op maat van uw kmo</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/phineq" class="ow-nav-level-2-link">Phineq</a><span class="ow-nav-level-2-text">Oplossing voor familiale vermogensplanning</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/adsolut/annual-accounts" class="ow-nav-level-2-link">Adsolut Jaarrekening</a><span class="ow-nav-level-2-text">Adsolut Jaarrekening verzekert je van een vlotte jaarafsluiting, ook als het complex is</span></li> </ul> <a href="/nl-be/finance/our-solutions" class="ow-nav-level-2-view-all-link"><span>Alle oplossingen weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Kennis & Expertise</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/how-to-organize-personal-financial-planning-as-a-service-in-your-office" class="ow-nav-level-2-link">Starten met vermogensplanning? Zo organiseert u uw kantoor</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/convincing-your-client-to-start-with-personal-financial-planning" class="ow-nav-level-2-link">Uw klant overtuigen om met vermogensplanning te starten? Maak kennis met de 3 V’s-Methode.</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/business-model-most-suitable-for-personal-financial-planning" class="ow-nav-level-2-link"> Wil u vermogensplanning aanbieden? Dan zijn deze businessmodellen het meest geschikt</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/myths-about-personal-financial-planning-disproved" class="ow-nav-level-2-link">Mythes en misvattingen rond vermogensplanning ontkracht</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/your-future-as-an-accountant-what-does-it-look-like" class="ow-nav-level-2-link">Uw toekomst als accountant? Hoe ziet die eruit?</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/personal-financial-planning-a-boost-for-your-business" class="ow-nav-level-2-link">De dienstverlening van uw accountantskantoor uitbreiden? Dan is vermogensplanning een goede optie</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/personal-financial-planner-a-new-challenge-for-you-as-an-accountant" class="ow-nav-level-2-link">Persoonlijk financieel planner: een nieuwe uitdaging voor u als accountant?</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/personal-financial-planning-towards-an-optimal-financial-support-for-your-customers" class="ow-nav-level-2-link">Wat is vermogensplanning en hoe begint u eraan?</a></li> </ul> <a href="/nl-be/expert-insights/finance" class="ow-nav-level-2-view-all-link"><span>Alle expertise weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="ow-nav-level-1-item"> <button type="button" class="wk-button wk-button-text ow-nav-level-1-trigger"><span class="ow-nav-level-1-trigger-text">Compliance</span><span aria-hidden="true" class="wk-icon-chevron-down ow-nav-level-1-chevron"></span></button> <div class="ow-primary-nav-level-2 "> <span class="primary-nav-overlay-desktop"></span> <div class="ow-primary-nav-level-2-wrapper ow-background-fill"> <div class="ow-background-fill-container"> <div class="ow-background-fill-region ow-background-fill-left"></div> <div class="ow-background-fill-region ow-background-fill-right"></div> <div class="ow-primary-nav-level-2-container ow-primary-nav-container"> <div class="ow-primary-nav-group"> <div class="ow-primary-nav-summary"> <div class="ow-primary-nav-content"> <h5 class="ow-nav-level-2-list-heading">Compliance</h5> <p class="ow-nav-level-2-copy">We helpen organisaties om steeds veranderende wettelijke verplichtingen na te leven, risico’s te beheersen, de efficiëntie te verhogen en betere zakelijke resultaten te boeken.</p> <a href="/nl-be/compliance" class="ow-nav-level-2-view-all-link"><span>Meer info</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-items"> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Oplossingen</h6> <ul class="ow-nav-level-2-list ow-less-than-3-list-items"> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/sentral" class="ow-nav-level-2-link">SenTRAL</a><span class="ow-nav-level-2-text">Database voor preventieadviseurs, veiligheids-, en mileucoördinatoren</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/accon" class="ow-nav-level-2-link">Accon Jaarrekening</a><span class="ow-nav-level-2-text">Voor een snelle en foutloze neerlegging</span></li> <li class="ow-nav-level-2-list-item ow-nav-level-2-list-item-with-text"><a href="/nl-be/solutions/onesumx-for-finance-risk-and-regulatory-reporting" class="ow-nav-level-2-link">OneSumX for Finance, Risk and Regulatory Reporting</a><span class="ow-nav-level-2-text">Geïntegreerd pakket aan oplossingen voor regelnaleving</span></li> </ul> <a href="/nl-be/compliance/our-solutions" class="ow-nav-level-2-view-all-link"><span>Alle oplossingen weergeven</span><span aria-hidden="true" class="wk-icon-arrow-right"></span></a> </div> </div> <div class="ow-primary-nav-item"> <div class="ow-primary-nav-content"> <h6 class="ow-nav-level-2-list-heading">Kennis & Expertise</h6> <ul class="ow-nav-level-2-list "> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/climate-adaptation-measures" class="ow-nav-level-2-link">Verenigde Naties roept op tot meer klimaatadaptatiemaatregelen</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/ai-always-a-tool-never-the-end-in-itself" class="ow-nav-level-2-link">AI: altijd een middel, nooit het doel op zich</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/task-of-prevention-adviser-under-asbestos-legislation" class="ow-nav-level-2-link">De taak van de preventieadviseur-arbeidsarts volgens de asbestwetgeving</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/work-related-cardiovascular-disease" class="ow-nav-level-2-link">Werkgerelateerde hart- en vaatziekten: Risico's herkennen en aanpakken</a></li> <li class="ow-nav-level-2-list-item"><a href="/nl-be/expert-insights/risks-of-chatgpt-in-prevention" class="ow-nav-level-2-link">ChatGPT gebruiken als preventieadviseur? 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data-variantitemid="{F3BE337A-A081-4D23-919B-21ADCAD98228}" sizes="(max-width:539px)539px, (max-width:767px)767px, (max-width:991px)991px,(max-width:1199px)1199px,(max-width:1440px)1440px,1920px" format="" data-variantfieldname="Image" /></div><div class="container no-padding"><div class="col-lg-10 offset-lg-1 no-padding"><div class="eyebrow"><span class="interest-area field-name">Finance & Beheer</span><span class="interest-area field-name">Fiscaliteit & Accounting</span><span class="date field-editorial-publish-date">17 oktober, 2019</span></div><h1 class="title field-title">Mythes en misvattingen rond vermogensplanning ontkracht</h1><div class="author-section"></div></div></div> </div> </div> <div class="row component column-splitter"> <div class="col-12 col-md-8 col-lg-1 sticky-wrapper"> <div class="row"> <div class="component social-share vertical col-12"> <div class="component-content"> <div class="share-sticky"><div class="share-wrapper"><div class="share-btn share-btn-linkedin" aria-label="Share on Linkedin"></div><div class="share-btn share-btn-twitter" aria-label=" Share on Twitter"></div><div class="share-btn share-btn-facebook" aria-label="Share on Facebook"></div><div class="share-btn share-btn-mail" aria-label="Share with Mail"></div><div class="share-btn share-btn-print" aria-label="Print"></div><div class="share-btn share-btn-link" aria-label="Copy Link"></div></div></div> </div> </div> </div> </div> <div class="col-12 col-md-8 col-lg-6"> <div class="row"> <div class="component row-splitter"> <div class="container-fluid"> <div > <div class="row"></div> </div> </div> <div class="container-fluid"> <div > <div class="row"> <div class="component rich-text article-text"> <div class="component-content"> <span class="abstract">Wanneer heb ik genoeg geld om met een gerust hart op pensioen te kunnen? Of, kan mijn kind later mijn vermogen erven zonder er zijn broek fiscaal aan te scheuren? Het zijn vragen die u waarschijnlijk regelmatig gesteld worden. Blijft u het antwoord schuldig? Dan doet u misschien nog niet aan vermogens- of financiële planning. En u bent niet de enige, want slechts een gering aantal accountantskantoren biedt deze service aan. Veel heeft te maken met een aantal mythes en misvattingen die de ronde doen. Wij nemen een aantal misvattingen onder de loep en bieden u enkele nieuwe inzichten.</span> </div> </div> </div> </div> </div> <div class="container-fluid"> <div > <div class="row"> <div class="component rich-text article-text"> <div class="component-content"> <h2 style="color: #232323; margin: 0px 0px 16px; padding: 0px; border: 0px;">Vermogensplanning is enkel bestemd voor de grote vermogens</h2> <span style="color: #232323;">Meer en meer mensen houden zich bezig met de actieve planning van hun vermogen. Voor erfenissen en successierechten, vermogensbelastingen of leningen gaan ook particulieren sneller professionele hulp inschakelen. En dat hebben ook de grootbanken goed begrepen. <b>Vanwege de grote vraag werd intussen de instapdrempel voor vermogensplanning en -beheer tot ver onder de grens van 1 miljoen euro teruggebracht. </b>Bij Belfius ligt de drempel op 500.000 euro; BPN Paribas Fortis is de meest democratische bank met een instapdrempel van 250.000 euro. Daarmee wordt vooral gemikt op familieondernemers en directie- en kaderleden, die een bepaald vermogen bijeen hebben gespaard.</span><br style="color: #232323;" /> <br style="color: #232323;" /> <h2 style="color: #232323; margin: 0px 0px 16px; padding: 0px; border: 0px;">De grootbanken hebben een monopolie in de markt</h2> <span style="color: #232323;">Ondanks de stevige dominantie van de grootbanken is er volgens experts nog heel wat potentieel aanwezig in deze sector. <i><b>“Het imago van de grootbanken als bakens van vertrouwen kreeg in 2008 een forse klap. Daar hebben alle gespecialiseerde vermogensbeheerders en – planners van geprofiteerd"</b></i>, zegt Wim Descamps, Managing Director van Value Square. Jaar na jaar zitten de kleinere financiële kantoren qua groeisnelheid op het zelfde niveau als de grootbanken en groeiden de beheerde vermogens met 8% tot 24 miljard euro.</span><br style="color: #232323;" /> <br style="color: #232323;" /> <span style="color: #232323;"><i>“Ondernemers en C-levels verkiezen het plannen van hun vermogen ergens anders uit te besteden dan bij de banken, die hen kredieten verstrekt. Sommige mensen willen die zaken gescheiden houden.”</i>, aldus Eric Thoelen van Merit Capital.</span><br style="color: #232323;" /> <br style="color: #232323;" /> <h2 style="color: #232323; margin: 0px 0px 16px; padding: 0px; border: 0px;">Vermogensplanning vraagt veel inspanningen en investeringen</h2> <span style="color: #232323;">Als accountant bent u eigenlijk al halfweg om met persoonlijke/familiale vermogensplanning te starten. U staat vaak héél dicht bij de bedrijfsleiders/familiale aandeelhouder van de ondernemingen voor wie u de boekhouding verricht. <b>Door met name uw inzicht in de boekhouding van het bedrijf weet u immers heel veel over de privé financiële situatie van de bedrijfsleider</b>, zoals hoeveel loon de bedrijfsleider zich uitkeert, of hij een lening heeft lopen bij de onderneming of hoeveel zijn kapitaal uit groepsverzekering zal bedragen op het einde van de rit. Door al die data samen te leggen en doorheen de jaren op te volgen en te analyseren kan u zich een redelijk goed beeld vormen van de verwachte vermogensevolutie van de bedrijfsleider.</span><br style="color: #232323;" /> <br style="color: #232323;" /> <h2 style="color: #232323; margin: 0px 0px 16px; padding: 0px; border: 0px;">Conclusie</h2> <span style="color: #232323;">Er zijn dus heel wat opportuniteiten voor nieuwe en bestaande spelers in de sector van vermogens- en financiële planning. Maar, als u zich op deze markt wil wagen, bent u beter goed voorbereid. </span> </div> </div> </div> </div> </div> <div class="container-fluid"> <div > <div class="row"> </div> </div> </div> <div class="container-fluid"> <div > <div class="row"></div> </div> </div> </div></div> </div> <div class="col-12 col-md-4 col-lg-3 offset-lg-1 sticky-sidebar"> <div class="row"> <div class="component row-splitter"> <div class="container-fluid"> <div > <div class="row"> <div class="component relatedtopics col-12 compact"> <div class="component-content"> <div class="relatedtopics-wrapper"><h4 class="relatedtopics-header">Gerelateerde onderwerpen bekijken</h4><div class="tag-list" role="list"><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/expert-insights">Deskundige inzichten</a></span><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/domain-knowledge">Domeinkennis</a></span><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/wealth-planning">Vermogensplanning</a></span><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/estate-planning">Estate Planning</a></span><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/financing-and-capital">Financing and Capital</a></span><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/expert-solutions">Expert Solutions</a></span><span class="field-title" role="listitem" ><a href="/nl-be/search-results/topic/launching-your-business">Launching Your Business</a></span></div></div> </div> </div> </div> </div> </div> <div class="container-fluid"> <div > <div class="row"> <div class="component productpromo medium-gray-bg col-12 compact"> <div class="component-content"> <div class="product-wrapper"><div class="productpromo-eyebrow field-eyebrow">Tax/Legal</div><h4 class="productpromo-name field-name"><p>Phineq</p></h4><div class="productpromo-description field-description"><span style="font-family: "Fira Sans", sans-serif; 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