Beleggingsproducten in de EU: uw rechten

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href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_cs.htm"><span>cs</span><span><span>čeština</span></span></a></li> <li><a lang="da" hreflang="da" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_da.htm"><span>da</span><span><span>Dansk</span></span></a></li> <li><a lang="de" hreflang="de" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_de.htm"><span>de</span><span><span>Deutsch</span></span></a></li> <li><a lang="et" hreflang="et" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_et.htm"><span>et</span><span><span>Eesti</span></span></a></li> <li><a lang="el" hreflang="el" class="" 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href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_hu.htm"><span>hu</span><span><span>magyar</span></span></a></li> <li><a lang="mt" hreflang="mt" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_mt.htm"><span>mt</span><span><span>Malti</span></span></a></li> <li><a lang="nl" hreflang="nl" class="active" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm"><span>nl</span><span><span>Nederlands</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></a></li> <li><a lang="pl" hreflang="pl" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_pl.htm"><span>pl</span><span><span>polski</span></span></a></li> <li><a lang="pt" hreflang="pt" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_pt.htm"><span>pt</span><span><span>português</span></span></a></li> <li><a lang="ro" hreflang="ro" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_ro.htm"><span>ro</span><span><span>română</span></span></a></li> <li><a lang="sk" hreflang="sk" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_sk.htm"><span>sk</span><span><span>Slovenčina</span></span></a></li> <li><a lang="sl" hreflang="sl" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_sl.htm"><span>sl</span><span><span>Slovenščina</span></span></a></li> <li><a lang="fi" hreflang="fi" class="" 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href="https://europa.eu/youreurope/citizens/work/work-abroad/cross-border-commuters/index_nl.htm">Grenswerkers</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/equal-treatment-with-nationals/index_nl.htm">Gelijke behandeling op het werk</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/posted-workers/index_nl.htm">Gedetacheerde werknemers</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-in-public-sector-abroad/index_nl.htm">Werken voor de overheid in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-permits/index_nl.htm">Werkvergunningen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/employment-contracts/index_nl.htm">Arbeidsovereenkomsten</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/rules-working-road-transport/index_nl.htm">EU-regels voor het werken in het wegvervoer</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/liability-insurance/index_nl.htm">Aansprakelijkheidsverzekering in een ander EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/index_nl.htm">Beroepskwalificaties<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/regulated-professions/index_nl.htm">Wat bedoelen we met "gereglementeerd beroep"?</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-permanent-provision-services/index_nl.htm">Permanente dienstverlening aanvragen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-temporary-provision-services/index_nl.htm">Tijdelijke dienstverlening aanvragen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/professional-bodies-language-requirements/index_nl.htm">Documenten en formaliteiten</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/european-professional-card/index_nl.htm">Europese beroepskaart – EPC</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/brexit/index_nl.htm">EU-VK: beroepskwalificaties</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/index_nl.htm">Sociale zekerheid en uitkeringen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security/index_nl.htm">Sociale zekerheid in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/country-coverage/index_nl.htm">Sociale zekerheid in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/unemployment/index_nl.htm">Werkloosheid in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/transferring-unemployment-benefits/index_nl.htm">Uw werkloosheidsuitkering meenemen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/cannot-find-work-abroad/index_nl.htm">Als u geen werk vindt</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/family-benefits/index_nl.htm">Gezinstoelagen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/death-grants/index_nl.htm">Nabestaandenpensioenen en uitkeringen bij overlijden</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security-forms/index_nl.htm">Standaardformulieren voor uw sociale zekerheid</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/index_nl.htm">In het buitenland met pensioen gaan<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/supplementary-pensions-abroad/index_nl.htm">Aanvullende pensioenen in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_nl.htm">Pensioen/AOW in het buitenland</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/taxes/index_nl.htm">Belastingen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/income-taxes-abroad/index_nl.htm">Inkomstenbelasting in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/double-taxation/index_nl.htm">Dubbele belastingheffing</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/index_nl.htm">Voertuigen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/cars/index_nl.htm">Auto’s<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/buying-leasing-car-abroad/index_nl.htm">Een auto kopen en leasen</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/vat-buying-selling-cars/index_nl.htm">Auto kopen of verkopen: btw</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/company-cars/index_nl.htm">Auto van de zaak</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/index_nl.htm">Rijbewijs<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-exchange-recognition/index_nl.htm">Omwisselen en erkenning van uw rijbewijs in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/get-driving-licence/index_nl.htm">Uw rijbewijs halen in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-renewal/index_nl.htm">Uw rijbewijs verlengen in een ander EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_nl.htm">Verzekering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/validity/index_nl.htm">Geldigheid van uw autoverzekering in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/accident/index_nl.htm">Geldigheid van uw autoverzekering in het buitenland</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/registration/index_nl.htm">Inschrijving<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/formalities/index_nl.htm">Uw auto: inschrijving en andere formaliteiten</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/registration-abroad/index_nl.htm">Uw auto inschrijven in een ander EU-land</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/taxes-abroad/index_nl.htm">Autobelastingen in een ander EU-land</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/index_nl.htm">Verblijf<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/index_nl.htm">Verblijfsrecht<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/inactive-citizens/index_nl.htm">Economisch niet-actieve EU-burgers</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/jobseekers/index_nl.htm">Werkzoekenden: verblijfsrecht</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/pensioners/index_nl.htm">Gepensioneerden en verblijfsrecht</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/students/index_nl.htm">Studenten – Verblijfsrecht</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/workers/index_nl.htm">Werk en verblijfsrecht</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/brexit-residence-rights/index_nl.htm">Verblijfsrechten van EU-onderdanen in het Verenigd Koninkrijk en Britse onderdanen in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/naturalisation/index_nl.htm">Naturalisatie</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/index_nl.htm">Verblijfsrecht van gezinsleden<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/eu-wife-husband-children/index_nl.htm">Echtgeno(o)te en kinderen die EU-burger zijn</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/non-eu-wife-husband-children/index_nl.htm">Echtgeno(o)te en kinderen van buiten de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/partners/index_nl.htm">Geregistreerd of wettelijk partnerschap</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/parents/index_nl.htm">Ouders</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/other-family/index_nl.htm">Andere familieleden</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/jobseekers-family/index_nl.htm">Gezin van werkzoekende</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/index_nl.htm">Documenten en formaliteiten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-family-members-registration/index_nl.htm">Registratie van de aanwezigheid van gezinsleden die EU-burger zijn</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-nationals-permanent-residence/index_nl.htm">Permanent verblijf voor EU-burgers na 5 jaar</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-permanent-residence/index_nl.htm">Permanent verblijf voor gezinsleden van buiten de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-residence-card/index_nl.htm">Verblijfsvergunningen voor gezinsleden van buiten de EU </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-residence/index_nl.htm">Inschrijven na 3 maanden verblijf</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/reporting-presence/index_nl.htm">Een verblijf van minder dan 3 maanden registreren </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-birth/index_nl.htm">Aangifte van een geboorte</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/legal-gender-recognition/index_nl.htm">Regels betreffende wijziging van geslacht</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/buying-house/index_nl.htm">Een huis kopen</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/deregistering-residence/index_nl.htm">Uitschrijven uit uw woonplaats</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/index_nl.htm">Verkiezingen, petities en raadplegingen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/european-elections/index_nl.htm">Europese verkiezingen</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/home-country-elections/index_nl.htm">Verkiezingen in eigen land</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/municipal-elections/index_nl.htm">Gemeenteraadsverkiezingen</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/petitions-consultations/index_nl.htm">Verzoekschriften en raadplegingen</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/index_nl.htm">Jeugd en onderwijs<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/school/index_nl.htm">Onderwijs<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/school/partner/index_nl.htm">Partnerscholen in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/school/enrol/index_nl.htm">Naar school in een ander EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/university/index_nl.htm">Universiteit<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/university/admission-entry-conditions/index_nl.htm">Toelatingseisen voor de universiteit</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/fees-and-financial-help/index_nl.htm">Collegegeld en studiefinanciering</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/recognition/index_nl.htm">Erkenning van universitaire diploma's</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/study-abroad/index_nl.htm">In het buitenland studeren en studiebeurzen</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/working-while-studying/index_nl.htm">Werken tijdens je studies</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/traineeships/index_nl.htm">Stages<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/traineeships/financial/index_nl.htm">Studiebeurzen voor stagiairs</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/volunteering/index_nl.htm">Vrijwilligerswerk in de EU en elders<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/where-to-start/index_nl.htm">Vrijwilligerswerk: waar moet je beginnen</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/practical-preparations/index_nl.htm">Praktische voorbereidingen voor vrijwilligers</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/research/index_nl.htm">Onderzoekers<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/research/jobs/index_nl.htm">Beurzen en banen voor onderzoekers</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/research/tax/index_nl.htm">Belastingregels voor onderzoekers</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/index_nl.htm">Gezondheid<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/index_nl.htm">Ongeplande gezondheidszorg<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-doctor-hospital-abroad/index_nl.htm">Naar een arts of een ziekenhuis in het buitenland gaan</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_nl.htm">Ongeplande gezondheidszorg: kosten en vergoedingen</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_nl.htm">Ziektekostendekking bij kort verblijf</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_nl.htm">Europese zorgpas</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/index_nl.htm">Geplande medische zorg in het buitenland<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/right-to-treatment/index_nl.htm">Geplande medische zorg in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/expenses-reimbursements/index_nl.htm">Kosten en terugbetaling: geplande medische behandeling in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/get-more-info/index_nl.htm">Informatiepunten voor gezondheidszorg in het buitenland</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/index_nl.htm">Geneesmiddelen in een ander EU-land kopen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/prescriptions/index_nl.htm">Een medisch voorschrift voorleggen in een ander EU-land</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/expenses-reimbursements/index_nl.htm">Medische voorschriften in het buitenland: kosten en terugbetaling</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/buying-medicines-online/index_nl.htm">Online geneesmiddelen kopen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/index_nl.htm">Ziektekostendekking bij verblijf in het buitenland<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_nl.htm">Uw ziektekostendekking</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/residential-care-home/index_nl.htm">Verhuizen naar een verzorgingstehuis</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/preventive-healthcare/index_nl.htm">Preventieve gezondheidszorg</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/index_nl.htm">Gezin<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/children/index_nl.htm">Kinderen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/children/parental-responsibility/index_nl.htm">Ouderlijke verantwoordelijkheid</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/adoption/index_nl.htm">Adoptie</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/abduction/index_nl.htm">Kinderontvoering</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/couple/index_nl.htm">Partners<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/couple/marriage/index_nl.htm">Huwelijk</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/registered-partners/index_nl.htm">Geregistreerde partnerschappen</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/de-facto-unions/index_nl.htm">Ongehuwd samenwonen</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/divorce-separation/index_nl.htm">Echtscheiding en scheiding van tafel en bed</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/maintenance/index_nl.htm">Alimentatieplicht – onderhoudsbijdrage voor gezinsleden</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/property-regimes-international-couples/index_nl.htm">Vermogensstelsels van internationale paren</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/getting-public-documents-accepted/index_nl.htm">Erkenning van overheidsdocumenten in de EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/inheritances/index_nl.htm">Overlijden, repatriëring en buitenlandse erfenissen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/managing-inheritance/index_nl.htm">Afwikkeling van een buitenlandse erfenis</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/planning-inheritance/index_nl.htm">Uw erfenis regelen als u in het buitenland woont</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/death-repatriation/index_nl.htm">Overlijden en repatriëring</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/index_nl.htm">Consumenten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/shopping/index_nl.htm">Producten en diensten kopen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/contract-information/index_nl.htm">Informatie over contracten</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_nl.htm">Garantie, ruilen en retour</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_nl.htm">Prijzen en betalingen</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shipping-delivery/index_nl.htm">Verzending en levering</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shopping-consumer-rights/index_nl.htm">Uw rechten als koper</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_nl.htm">Btw – Belasting over de toegevoegde waarde</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/product-safety/index_nl.htm">Productveiligheid</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/index_nl.htm">Internet en telecom<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/mobile-roaming-costs/index_nl.htm">Roaming: uw mobiele telefoon in een ander EU-land gebruiken</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/access-online-content-abroad/index_nl.htm"> Toegang tot onlinecontent in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/telecommunication-services/index_nl.htm"> Telecommunicatie</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/internet-access/index_nl.htm">Internettoegang en -gebruik</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/data-protection-online-privacy/index_nl.htm">Gegevensbescherming en online-privacy</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_nl.htm">Financiële producten en diensten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_nl.htm">Bankrekeningen in de EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_nl.htm">Consumentenkredieten en leningen</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/insurance-products/index_nl.htm">Verzekeringsproducten</a></li> <li class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm"><span><span class="label-end"><span>Beleggingsproducten</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></span></a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_nl.htm">Hypotheken</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_nl.htm">Betalingen, overschrijvingen en cheques</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investments-in-another-eu-country/index_nl.htm">Investeren in een ander EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/index_nl.htm">Oneerlijke behandeling<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-commercial-practices/index_nl.htm">Oneerlijke handelspraktijken</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-pricing/index_nl.htm">Misleidende prijsinformatie</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-contract-terms/index_nl.htm">Onredelijke contractvoorwaarden</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/index_nl.htm">Energievoorziening<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/access-use-energy-services/index_nl.htm">Levering en gebruik van energie</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/contracts-energy-consumption/index_nl.htm">Contracten en energieverbruik</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/complaints-dispute-resolution/index_nl.htm">Klachten en geschillenbeslechting</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/index_nl.htm">Geschillenbeslechting voor consumenten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/informal-dispute-resolution/index_nl.htm">Informele geschillenbeslechting voor consumenten</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_nl.htm">Buitengerechtelijke procedures voor consumenten</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/formal-legal-actions/index_nl.htm">Juridische stappen voor consumenten</a></li> </ul> </li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/index_nl.htm">Zakendoen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/index_nl.htm"> Een bedrijf runnen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/start-ups/index_nl.htm">Start-ups<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/starting-business/index_nl.htm">Een bedrijf opzetten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/erasmus-young-entrepreneurs/index_nl.htm">Erasmus voor jonge ondernemers</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/developing-business/index_nl.htm">Uitbreiden<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/setting-up-european-company/index_nl.htm">Een Europese vennootschap oprichten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/merging-businesses/index_nl.htm">Fusies van ondernemingen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_nl.htm">EMAS-registratie</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/free-flow-non-personal-data/index_nl.htm">Vrij verkeer van niet-persoonsgebonden gegevens</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/investments-other-eu-country/index_nl.htm">Grensoverschrijdende investeringen in de EU: wat u moet weten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/registration-permits-licences/index_nl.htm">Registratie en vergunningen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/tourism/index_nl.htm">Een bedrijf in de toeristische sector runnen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/biotech/index_nl.htm">Biotechnologie en biofabricage</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/digitalising/index_nl.htm"> Met uw bedrijf online gaan<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-business-website/index_nl.htm"> Een zakelijke website opzetten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/selling-online-third-party-platforms/index_nl.htm"> Online verkopen via platforms van derden</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-online-shop/index_nl.htm"> Een webshop beginnen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/securing-website/index_nl.htm"> Uw website beveiligen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/deliveries-fulfilment-online-sales/index_nl.htm"> Bezorging en afhandeling van onlinebestellingen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/customer-service-online-businesses/index_nl.htm"> Klantenservice online</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/promoting-business-online/index_nl.htm"> Online reclame maken</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/index_nl.htm">Intellectuele eigendom<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/rights/index_nl.htm">Intellectuele-eigendomsrechten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/patents/index_nl.htm">Octrooien</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-marks/index_nl.htm">Handelsmerken</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/copyright/index_nl.htm">Auteursrecht</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-secrets/index_nl.htm">Bedrijfsgeheimen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/design-protection/index_nl.htm">Modelbescherming</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/website-domains/index_nl.htm"> Domeinnamen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/database-protection/index_nl.htm">Bescherming van databanken</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/geographical-indications/index_nl.htm"> Geografische aanduidingen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/licensing-selling/index_nl.htm">Commercialisering van intellectuele-eigendomsrechten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/infringement/index_nl.htm">Inbreuken op intellectuele-eigendomsrechten</a></li> </ul> </li> <li><a href="https://europa.eu/youreurope/business/running-business/eu-support-tools-sme/index_nl.htm">EU-instrumenten voor steun aan het mkb</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/index_nl.htm">Belastingen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/index_nl.htm"> Accijnzen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/product-excise-duties/index_nl.htm">Accijnsgoederen</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/paying-excise-duties/index_nl.htm"> Accijns betalen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/vat/index_nl.htm"> Btw<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-rules-rates/index_nl.htm">Btw-regels en -tarieven</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/charging-deducting-vat/index_nl.htm">Btw heffen en aftrekken</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-exemptions/index_nl.htm">Btw-vrijstellingen</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-refunds/index_nl.htm">Btw-teruggave</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/cross-border-vat/index_nl.htm">Btw op goederen en diensten uit het buitenland</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/check-vat-number-vies/index_nl.htm">Een btw-nummer controleren (VIES)</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-digital-services-moss-scheme/index_nl.htm"> Btw op digitale diensten (mini-eenloketsysteem)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/business-tax/index_nl.htm"> Vennootschapsbelasting<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/company-tax-eu/index_nl.htm"> Vennootschapsbelasting in de EU</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/taxes-parent-companies-subsidiaries/index_nl.htm"> Belastingen voor moedermaatschappijen en dochterondernemingen</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/index_nl.htm">Verkopen in de EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/index_nl.htm"> Overheidsopdrachten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/public-tendering-rules/index_nl.htm">Regels voor de aanbesteding van overheidsopdrachten</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/search-bid-public-tender/index_nl.htm">Overheidsopdrachten: zoeken en inschrijven</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/request-review-public-procurement-procedure/index_nl.htm">Verzoek tot herziening van een openbare aanbestedingsprocedure indienen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/index_nl.htm"> Producten en diensten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/selling-products-eu/index_nl.htm">Producten verkopen in de EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/provide-services-abroad/index_nl.htm">Diensten verlenen in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/ecommerce-distance-selling/index_nl.htm">E-commerce, verkoop op afstand en buiten verkoopruimten</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/package-travel/index_nl.htm"> Pakketreizen en gekoppelde reisarrangementen</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/parcel-services/index_nl.htm"> Pakketbezorgdiensten</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/index_nl.htm"> Concurrentie<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/competition-rules-eu/index_nl.htm">Mededingingsregels in de EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/anti-competitive-behaviour/index_nl.htm"> Concurrentiebeperkend gedrag melden</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/index_nl.htm">Personeel<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/index_nl.htm">Arbeidsovereenkomsten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/changes-staff-contract/index_nl.htm">Wijziging van arbeidscontracten</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/employment-terms/index_nl.htm">Arbeidsvoorwaarden</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/fixed-term-work/index_nl.htm">Werk voor bepaalde tijd</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/inform-consult-staff/index_nl.htm">Personeel informeren en raadplegen</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/part-time-work/index_nl.htm">Deeltijdwerk</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/redundancies/index_nl.htm">Ontslagen</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/teenage-workers/index_nl.htm">Werkende tieners</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/temporary-agency-work/index_nl.htm">Uitzendwerk</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/seasonal-workers-non-eu-countries/index_nl.htm">Seizoenarbeiders uit landen die geen lid zijn van de EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/index_nl.htm">Arbeidstijden, vakantie en verlof<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/working-hours/index_nl.htm">Arbeidstijd</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/leave-flexible-working/index_nl.htm">Verlof en flexibel werken </a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/index_nl.htm">Werknemers in de vervoerssector<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/civil-aviation-staff/index_nl.htm">Burgerluchtvaartpersoneel</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/rail-staff/index_nl.htm">Treinpersoneel</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/road-transportation-workers/index_nl.htm">Werknemers in het wegvervoer in dienst: rij- en rusttijden</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/seafarers/index_nl.htm">Zeevarenden</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/inland-waterway-staff/index_nl.htm">Bemanning in de binnenvaart</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/index_nl.htm">Gedetacheerde werknemers<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/posting-staff-abroad/index_nl.htm">Detachering van personeel in het buitenland</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/drivers/index_nl.htm">Gedetacheerde chauffeurs</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/index_nl.htm">Sociale zekerheid en gezondheid<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/paying-contributions/index_nl.htm">Het betalen van sociale premies</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/work-safety/index_nl.htm">Gezondheid en veiligheid op het werk</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/pensions/index_nl.htm">Verplichtingen van de werkgever betreffende de pensioenen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/index_nl.htm"> Gelijke behandeling en kwalificaties<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/equal-treatment/index_nl.htm">Gelijke behandeling van werknemers</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/reasonable-accommodation/index_nl.htm">Redelijke aanpassingen</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/recognition-qualifications/index_nl.htm">Erkenning van kwalificaties</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/index_nl.htm">Productvereisten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/standards/index_nl.htm">Normen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/standards/standards-in-europe/index_nl.htm">Normen in Europa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/compliance/index_nl.htm">Productconformiteit<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/identifying-product-requirements/index_nl.htm">Productvoorschriften</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/conformity-assessment/index_nl.htm">Conformiteitsbeoordeling</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/technical-documentation-conformity/index_nl.htm">Technische documentatie en EU-conformiteitsverklaring</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/ecodesign/index_nl.htm">Eisen voor milieuvriendelijk ontwerpen</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/declaration-mutual-recognition/index_nl.htm">Verklaring van wederzijdse erkenning</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/index_nl.htm">Labels en keurmerken<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ce-marking/index_nl.htm">CE-markering</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/energy-labels/index_nl.htm">Energielabel</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/weee-label/index_nl.htm">AEEA-merkteken</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/footwear-label/index_nl.htm"> Labels voor schoeisel</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/textile-label/index_nl.htm">Textiellabels</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/emark/index_nl.htm">℮-merkteken</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ecolabel/index_nl.htm">EU-milieukeur</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/index_nl.htm"> Chemische stoffen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/registering-chemicals-reach/index_nl.htm">Registratie van chemische stoffen in de EU (REACH-verordening)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/classification-labelling-packaging/index_nl.htm">Indeling, etikettering en verpakking van chemische stoffen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/index_nl.htm"> Recycling en afvalbeheer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/weee-responsibilities/index_nl.htm">Verantwoordelijken op het gebied van AEEA-afval</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/index_nl.htm">Levensmiddelenetikettering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/general-rules/index_nl.htm">Voorschriften voor levensmiddelenetikettering</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/nutrition-declaration/index_nl.htm">Voedingswaardevermelding</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/supplements/index_nl.htm">Etikettering van voedingssupplementen</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/additives/index_nl.htm">Levensmiddelenadditieven</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/health-nutrition-claims/index_nl.htm">Gezondheids- en voedingsclaims</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/index_nl.htm">Financiën<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/accounting/index_nl.htm"> Boekhouding<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/accounting/small-micro-businesses/index_nl.htm">Financiële verslaglegging voor middelgrote, kleine en micro-ondernemingen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/index_nl.htm">Geld betalen en ontvangen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/cross-border-debt-recovery/index_nl.htm"> Grensoverschrijdende schuldinvordering</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_nl.htm">Elektronisch en contant betalen</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/late-payment/index_nl.htm">Betalingsachterstand</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/einvoicing/index_nl.htm">E-facturering</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/index_nl.htm"> Financiering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://youreurope.europa.eu/business/finance-funding/getting-funding/access-finance/nl">Financiering voor ondernemers en bedrijven</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/eu-funding-programmes/index_nl.htm">EU-financieringsprogramma’s</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/index_nl.htm">U en uw klanten<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/index_nl.htm"> Overeenkomsten en garanties<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-guarantees/index_nl.htm">Garantie</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/selling-products-safely/index_nl.htm">Veilig producten verkopen in de EU</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-contracts/index_nl.htm">Overeenkomsten met consumenten</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/index_nl.htm"> Geschillen oplossen<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/online-dispute-resolution/index_nl.htm"> Alternatieve/online-geschillenbeslechting</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/european-small-claims-procedure/index_nl.htm"> Europese procedure voor geringe vorderingen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/index_nl.htm"> Gegevensbescherming<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/data-protection-gdpr/index_nl.htm"> Algemene verordening gegevensbescherming (AVG)</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/online-privacy/index_nl.htm"> Online-privacy</a></li> </ul> </li> </ul> </li> </ul> </li> <li><a href="https://asf.youreurope.europa.eu/?lang=nl" target="_blank">Advies vragen</a></li> <li><a href="https://fosmo.youreurope.europa.eu/?lang=nl" target="_blank">Belemmering melden</a></li> </ul> </nav> <div id="ua-info-menu"> <div id="ua-toggle-btn" class="ye_boxbutton">Oekraïne<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></div> <div id="ua-toggle-content" class="ye_boxcontent container"> <ul class="ye_list" aria-labelledby="ua-toggle-btn"> <li class="ye_listbylang" lang="ua"> <div id="ua-titlelist_ua" class="ye_title">Допомога ЄС Україні</div> <ul class="ye_links"> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_uk">Інформація для людей з України, що шукають порятунку від війни в Україні</a></li> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_uk#ref-%D1%8F%D0%BA-%D0%B2%D0%B8-%D0%BC%D0%BE%D0%B6%D0%B5%D1%82%D0%B5-%D0%B4%D0%BE%D0%BF%D0%BE%D0%BC%D0%BE%D0%B3%D1%82%D0%B8">Як Ви можете допомогти</a></li> <li><a hreflang="ua" target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Iнформація для бізнесу</a></li> </ul> </li> <li class="ye_listbylang"> <div id="ua-titlelist_or" class="ye_title">EU-bijstand aan Oekraïne</div> <ul class="ye_links"> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_nl">Informatie voor mensen die op de vlucht zijn voor de oorlog in Oekraïne</a></li> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_nl#hoe-kunt-u-helpen">Hoe kunt u helpen?</a></li> <li><a target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Informatie voor bedrijven</a></li> </ul> </li> </ul> </div> </div> </div> </section> </header> <div id="page-header"> <nav class="container"> <ol id="ye-breadcrumb"> <li><a href="https://europa.eu/youreurope/index_nl.htm" lang="en">Your Europe</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li class="ellipsis"><button aria-label="Klik om uit te vouwen" title="Klik om uit te vouwen">…</button><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="/youreurope/citizens/index_nl.htm">Burgers</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/index_nl.htm">Consumenten</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_nl.htm">Financiële producten en diensten</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li>Beleggingsproducten</li> </ol> </nav> </div> <main id="main-content" class="container"> <h1>Beleggingsproducten</h1> <div class="row"> <aside> <nav id="in-page-nav"> <div id="in-page-nav-title">Op deze pagina</div> </nav> </aside> <div class="col"> <div id="main-article"> <p>Beleggingsproducten, -fondsen en -verzekeringen, ook wel bekend als " <strong>verpakte retailbeleggingsproducten en verzekeringsgebaseerde beleggingsproducten</strong>" (PRIIP's), worden gewoonlijk door banken of verzekeringsmaatschappijen aangeboden als u uw geld liever wil investeren dan het op een gewone spaarrekening te plaatsen. In tegenstelling tot een gewone spaarrekening kunnen de waarde van beleggingen en de inkomsten uit beleggingsproducten <strong>zowel stijgen als dalen</strong>. </p> <p>Omdat beleggingsproducten soms vrij ingewikkeld in elkaar zitten, is het niet altijd even gemakkelijk om te weten hoeveel ze zullen opbrengen of welke mogelijke risico's u te wachten staan. <strong>EU-regels garanderen dat u gedetailleerde informatie ontvangt</strong>, vooraleer u intekent op een beleggingsproduct, zodat u zich ten volle bewust bent van de omvang of de kenmerken van het risico dat u aangaat. </p> <div class="warning sr-friendly"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#warning"></use></svg><div> <h4 class="sr-only">Waarschuwing</h4> <p>Deze EU-regels gelden niet voor bedrijfspensioenregelingen, directe beleggingen (zoals aandelen), beleggingsproducten voor professionele beleggers, en levensverzekeringsproducten zonder beleggingsmogelijkheden voor de kleine belegger, waarbij het geld alleen bij overlijden of arbeidsongeschiktheid wordt uitgekeerd.</p> </div> </div> <h2>Essentiële informatie over de belegging</h2> <p>Voordat u een beleggingsproduct kiest, moet de persoon of de organisatie die het verkoopt u het "essentiële-informatiedocument" (KID) geven. Dit standaarddocument is ontworpen om een <strong>duidelijk antwoord</strong> te <strong>bieden op uw vragen omtrent de kenmerken, risico's en kosten</strong> van het beleggingsproduct waarin u geïnteresseerd bent. </p> <p>Het informatiedocument dat u ontvangt, mag <strong>niet langer zijn dan drie A4-pagina's</strong>, en moet de volgende informatie bevatten: </p> <ul> <li>algemene informatie over de aanbieder en zijn contactgegevens</li> <li>een beschrijving van het beleggingsproduct, welk doel het voor ogen heeft en hoe men dat wil bereiken</li> <li>een toelichting bij de belangrijkste factoren waarvan het rendement afhankelijk is</li> <li>informatie over de termijn van het beleggingsproduct, de vervaldatum, en de voorwaarden om uw belegging te beëindigen</li> <li>het <strong>risiconiveau van het beleggingsproduct</strong> (geklasseerd van 1 tot 7) </li> <li>een <strong>indicatie van het grootst mogelijke verlies</strong> op uw belegging, alsook vier prestatiescenario's (een stressscenario, een ongunstig scenario, een gematigd scenario en een gunstig scenario) </li> <li>een tabel met uitleg over <strong>de kosten van uw belegging</strong> tijdens de looptijd, uitgedrukt in geldsommen en percentages </li> <li>een tabel met gegevens over eenmalige kosten (zoals in- en uitstapkosten), terugkerende kosten (zoals portefeuilletransactiekosten per jaar) en extra kosten, zoals prestatievergoedingen — telkens uitgedrukt in percentages</li> <li>hoe u een klacht moet indienen, met inbegrip van een link naar de relevante website voor klachtenprocedures, en een post- en e-mailadres voor het indienen van klachten.</li> </ul> <h2>Tijd om te vergelijken en te kiezen</h2> <p>Het essentiële-informatiedocument <strong>maakt het mogelijk om beleggingsproducten</strong> van verschillende aanbieders <strong>makkelijk met elkaar te vergelijken</strong> en het product te kiezen dat het best aan uw wensen voldoet. </p> <p>Daarom moet u het informatiedocument tijdig ontvangen, zodat u <strong>voldoende tijd</strong> heeft <strong>om uw opties af te wegen</strong> voordat u een overeenkomst aangaat. Ook al krijgt u bedenktijd, toch moet de aanbieder van het beleggingsproduct u het informatiedocument geven <strong>voordat u ook maar iets ondertekent</strong>. </p> <div class="example"> <h4>Voorbeeld</h4> <h5>Het informatiedocument kan u helpen om het juiste beleggingsproduct te kiezen</h5> <p>Leonard wilde graag wat geld sparen voor zijn pensionering. Hij raadpleegde zijn bank over verschillende rekeningopties. De bank stelde voor om elke maand 150 euro opzij te zetten in een speciaal levensverzekeringenspaarplan. Zij legden Leonard uit dat hij met dit soort beleggingsproduct een beter rendement op zijn inleg kon halen dan met een normale spaarrekening. Leonard vroeg om meer informatie over het plan en kreeg het essentiële-informatiedocument. Toen hij het document doornam, merkte Leonard op basis van de verschillende prestatiescenario's dat hij wat pensioenspaargeld dreigde te verliezen als de beleggingen achter het spaarplan niet goed zouden presteren. Hij nam contact op met zijn bank en besloot om toch voor een gewone spaarrekening te kiezen.</p> </div> <p> </p> </div> <div class="article-related eu-legislation"> <h2>EU-wetgeving</h2> <ul> <li><a href="https://eur-lex.europa.eu/legal-content/NL/TXT/?qid=1506949383945&uri=CELEX:32017R0653" data-linkid="1a6f4883-f0f0-466b-8c82-284cb072b163" title="Gedelegeerde verordening van de Europese Commissie met voorschriften voor essentiële-informatiedocumenten">Gedelegeerde verordening van de Europese Commissie met voorschriften voor <span class="label-end"><span>essentiële-informatiedocumenten</span><svg focusable="false" aria-label="Deze link brengt u naar een andere website"> <title>Deze link brengt u naar een andere website</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a></li> <li><a href="https://eur-lex.europa.eu/legal-content/NL/TXT/?qid=1506949456803&uri=CELEX:32014R1286" data-linkid="7eda2337-d2de-4986-806e-00f70386718c" title="EU-verordening over essentiële-informatiedocumenten voor beleggingsproducten (PRIIP's)">EU-verordening over essentiële-informatiedocumenten voor beleggingsproducten <span class="label-end"><span>(PRIIP's)</span><svg focusable="false" aria-label="Deze link brengt u naar een andere website"> <title>Deze link brengt u naar een andere website</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a></li> </ul> </div>  <div class="article-related"> <h2>Advies van een expert? Wij helpen u op weg.</h2> <p>Vraag advies aan experts</p><button id="advice-button" class="standard arrow toggle">Vraag hulp of advies<span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></span></button><div id="advice-content" class="toggle-content"> <div data-service-name="CIF" class="help-advice"> <p><a href="https://ec.europa.eu/eu-rights/enquiry-complaint-form/home?languageCode=nl&origin=yec_Consumers">Advies over uw EU-rechten / Hulp bij problemen met een overheidsinstantie</a></p> </div> <div data-service-name="Financial Dispute Resolution Network" class="help-advice"> <p><a href="https://ec.europa.eu/info/business-economy-euro/banking-and-finance/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_en">Problemen met een verzekeraar of een bank</a></p> </div> <div data-service-name="country's European consumer centre" class="help-advice"> <p> <a href="https://commission.europa.eu/live-work-travel-eu/consumer-rights-and-complaints/resolve-your-consumer-complaint/european-consumer-centres-network-ecc-net_nl">Vraag het Europees consumentencentrum in uw land om informatie of hulp</a> </p> </div> <div data-service-name="ASF"> <p>U kunt ook gebruikmaken van de <strong><a data-linkid="99515abc-5143-4601-834f-d58adec3d203" href="https://asf.youreurope.europa.eu/?lang=nl" title="zoek ondersteunende diensten">zoekfunctie voor ondersteunende diensten</a></strong> om de juiste hulp voor u te vinden.</p> </div> </div> </div> <div id="last-checked"><span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#calendar"></use></svg>Laatste controle: 04/11/2024</span></div> </div> </div> <div id="share-page"> <div>Deze bladzijde delen</div> <ul> <li><a href="https://www.facebook.com/share.php?u=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm" title="Delen op Facebook" target="_blank" rel="nofollow" id="sh-facebook"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#facebook"></use></svg><span>Facebook</span></a></li> <li><a href="https://www.linkedin.com/sharing/share-offsite/?url=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm" title="Delen op linkedIn" target="_blank" rel="nofollow" id="sh-linkedin"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#linkedin"></use></svg><span>Linkedin</span></a></li> <li><a href="https://twitter.com/intent/tweet?text=Beleggingsproducten&url=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm" title="Deel op X" target="_blank" rel="nofollow" id="sh-twitter"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#twitter"></use></svg><span>X (Twitter)</span></a></li> <li><a href="mailto:?subject=Beleggingsproducten&body=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm;" id="sh-email" title="Deel via e-mail" rel="nofollow"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#email"></use></svg><span>e-mail</span></a></li> </ul> </div> </main> <footer id="footer-content" class="ye_footerpage"> <section id="feedback-bar"> <div class="container"><button id="feedback" class="standard arrow toggle">Feedback over de kwaliteit<span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></span></button><form id="feedback-form" class="toggle-content" method="post" name="fm" action="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_nl.htm" autocomplete="off" novalidate><input autocomplete="false" name="hidden" type="text" style="display:none;"><input type="hidden" name="section" id="section" value="/citizens/consumers/financial-products-and-services/investment-products/"><p class="success">Hartelijk dank voor uw feedback. 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Beleggingsproducten in de EU: uw rechten - Your Europe