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We rarely recommend any form of savings plan that involves a long-term commitment because they invariably carry heavy initial charges as well as significant penalties if you cannot pay the premiums right through to maturity. The only viable exceptions to this rule are if, by making a long term commitment, you can obtain tax benefits that outweigh the disadvantages.
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The return, net of tax, on a good Belgian tax deductible savings plan makes it well worth subscribing to, provided you will stay long enough in Belgium to reap the benefits. This requires careful calculating and we have the experience to help you to make the correct decision.
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