Returns calculator

Fees and taxes included in the simulation: TOB (0.12% on purchase and sale), entry fees deducted from each payment, withholding tax (30% on interest above €1,020/year for savings accounts, 15% for regulated accounts), Reynders tax (30% on the bond component), ETF capital gains taxed at 10% above €10,000/year, branch 21 premium tax (2% per payment), anticipatory pension savings tax (8% on notional capital at 4.75%/year), pension savings tax benefit (estimated 30% tax reduction). The rates used are illustrative assumptions — past performance does not guarantee future performance.