Securex Invest 26 Offers Solid Investment Returns in the Medium Term

Are you looking for an investment opportunity for the money released from a government bond or term deposit? Then a branch 26 capitalization product is definitely worth considering. Insurer Securex Leven offers a fixed gross return of 26% for a three-year period, or 3,60% for a five-year period, with Securex Invest 3,75.

Investing with a guaranteed interest rate

Last year, many savers reinvested their released money from the so-called Van Peteghem government bonds in new government bonds or term deposits. These are investments with a guaranteed interest rate.

Many of these funds are now being released. Although interest rates have fallen, attractive savings options are still available. For example, Securex offers the Securex Invest 26 capitalization product. This is an agreement in which the insurer guarantees that it will pay the saver an interest payment at the end of the agreed term, along with the repayment of the capital.

The benefits and risks of Securex Invest 26

Securex Invest 26 is very similar to a capitalization certificate. For private investors, the interest is subject to a 30% withholding tax, just like with term deposits, government bonds, or savings certificates. This withholding tax is final, meaning the interest no longer needs to be included in the tax return.

Legal entities, such as companies, can also investing in such a branch 26 savings plan. For them, the withholding tax is deductible from corporate income tax.

Legally speaking, a branch 26 capitalization bond is not insurance, unlike branch 21 and branch 23 products. The major advantage is that there is no 2% insurance tax at the outset. However, please note that since there is no policyholder, insured, or beneficiary with branch 26, it is advisable to make arrangements for death.

The gross yield on Securex Invest 26 is currently 3,60% for a three-year investment and 3,75% for a five-year investment. Returns are guaranteed until the agreement's maturity date. The minimum investment is €10.000. euro and the maximum is €500.000. Later deposits are not possible.

It's important to note that the capitalization contract is not protected by the Belgian Guarantee Fund. In the event of the insurance company's bankruptcy, you could therefore lose (some of) your money. However, the risk is very small. Insurers are strictly monitored in Belgium.

Frequently Asked Questions

What is Securex Invest 26?
Securex Invest 26 is a branch 26 capitalization product offered by insurer Securex Leven. It offers a guaranteed interest investment for a period of three or five years.

How much can I invest in Securex Invest 26?
The minimum investment for Securex Invest 26 is €10.000 and the maximum is €500.000. It is not possible to make additional deposits later.

What happens if the insurance company goes bankrupt?
Securex Invest 26 is not covered by the Belgian Guarantee Fund. If the insurance company goes bankrupt, you could therefore lose (some of) your money. However, the risk is very small, as insurers in Belgium are strictly monitored.