NN Strategy Self-Determined Saving Branche 21 / Tak 21 and Branche 23 / Tak 23 Mix (non-tax-beneficial)

NN Strategy Vrij Sparen Mix Tak 21 en Tak 23 (niet-ficaal)

You want to achieve a return on your savings while limiting your risks. With a mix of Branche 21 / Tak 21 and Branche 23 / Tak 231, you can combine both of these goals in a single life insurance contract.

Is NN Strategy Self-Determined Saving Branche 21 / Tak 21 and Branche 23 / Tak 23 Mix right for you

  • Do you have savings to spare and want to invest for the longer term?
  • Are you happy to take some risks in exchange for higher possible returns over the long term?
  • Do you also want to build in a degree of security?

If so, a non-tax-beneficial Branche 21 / Tak 21 and Branche 23 / Tak 23 Mix1 investment-linked insurance policy may offer you a complete and profitable solution.

What are the benefits and risks of NN Strategy Self-Determined Saving Branche 21 / Tak 21 and Branche 23 / Tak 231 Mix?

A balance between safety and dynamism

Part of your net capital3 is safely invested at a guaranteed interest rate (Branche 21 / Tak 21). The rest is invested in funds that offer no guaranteed return or capital guarantee (Branche 23 / Tak 231).

Your returns are thus determined by the make-up of your mix – specifically:
> the returns from the investment funds in the Branche 23 / Tak 231 portion
> the guaranteed interest rate applicable to the Branche 21 / Tak 212 portion + any profit participation3

Your perfect mix

- You are free to choose the ratio of Branche 21 / Tak 21 to Branche 23 / Tak 231. Your financial adviser will help you to choose the right distribution.
- The portion of your net capital invested in Branche 21 / Tak 21 is immediately secured.
- At the same time, you can aim for typically higher rewards with the portion of your net capital4 invested in Branche 23 / Tak 231.

Build savings with the flexibility of a life insurance policy

In an NN Strategy Self-Determined Saving Branche 21 / Tak 21 and Branche 23 / Tak 23 Mix1 policy:

- you are free to choose the insured person and the beneficiary or beneficiaries
- you can take out supplementary guarantees
- you pay no withholding tax under certain conditions (see below for more information)
- you can make regular transfers, starting from 40 euros per month
- you can also make a one-off deposit by investing a minimum sum of 2,500 euros. After that, you can then make additional deposits of at least 500 euros, whenever you wish.

Is it risky to invest in Branche 23 / Tak 23?

The portion you invest in Branche 23 / Tak 23 offers no guaranteed return or capital guarantee.
Your returns are determined by the performance of the funds within your contract.
Should you want or be able to invest in investment funds for a short period then this will involve a financial risk. This is because the returns from these funds are dependent on stock market fluctuations.

The risk connected to this is borne in full by you as the policyholder. This risk decreases the longer you can keep your money invested for, and depends on the funds you choose based on your investor profile.

By regularly (periodically) saving your money, you can spread your investments over time. In this way, you can mitigate the impacts of the market fluctuations that may affect funds with a higher risk profile in the short term.

About funds

For the portion that you invest in Branche 23 / Tak 231, you can choose from a number of respected investment funds within an open architecture. That means you can also opt for funds from well-known fund managers alongside funds run by NN Asset Management. You can find all the details under our Funds heading on this website.

If you opt for funds that invest more in bonds then you will reduce your risk and simultaneously increase your chance of achieving a higher return over the long run. You can find more information about fund risk classes here.

Options for a balanced investment

With NN Strategy Branche 21 / Tak 21 and Branche 23 / Tak 231 Mix, you can choose a range of attractive options in order to secure all or part of your savings, limit your losses or maintain balance in your investment.

Each year, you benefit from a free switch of at least 250 euros between your funds.

Read all the details here: Options for NN Strategy funds

Talk to your broker to find out your investor profile and to determine which options are right for your investment and your profile. This is essential for you to make sensible investments.

Protection for you and your family with these extra optional forms of cover

Good financial planning also means arranging effective protection for yourself and your family. Here are a few examples of the optional risk guarantees that you can take out within your NN Strategy contract:

Optional coverage in the event of death:

  • a minimum death lump sum (fixed amount or diminishing over time)
  • an additional fixed amount on top of the payment from your savings reserve
  • an additional fixed amount for your loved ones should you die in an accident

Optional coverage in the event of disability:

  • payment of your premium by NN
  • a disability pension (replacement income) to protect your standard of living for both you and your family

Read more about the details of the protective guarantees within NN Strategy here.

Talk to your broker to find out what formula would be most appropriate for you and your situation.

Premiums and taxes



Periodic premiums: minimum 40 euros per month
Single premium: minimum 2,500 euros. After that, you can then make additional deposits of at least 500 euros, whenever you wish.

Availability of your savings

Your savings are available via both partial, periodic withdrawals and withdrawals at any time you like.


Taxes on premiums:

2% for natural persons
4.4% for legal entities

Withholding tax

- Branche 23 / Tak 23 portion: no withholding tax
- Branche 21 / Tak 21 portion: no withholding tax after 8 years and 1 month, or if you take out death cover of 130% of your transferred premiums, provided that the policyholder, the insured person and the beneficiary in the event of life are the same person.

Taxes on premiums:

2% for natural persons
4.4% for legal entities


Read all the details in the Essential Information Document

Term of the contract

The term runs for at least 5 years, and is defined when the contract is taken out.


Before you sign your insurance policy, it is essential to look at the following information.

Any further questions? Your broker will be happy to advise you.

Goed geïnformeerd

Voor je deze verzekering onderschrijft, is het noodzakelijk om bovenstaande informatie door te nemen.

Heb je nog vragen? Je makelaar geeft je graag advies.

Bien informé

Avant de contracter cette assurance, il est nécessaire de prendre connaissance des informations ci-dessus.

Vous avez encore des questions ? Votre courtier se fera un plaisir de vous conseiller.

Exclusions and restrictions

You can find a full explanation of our segmentation policy here

For this product, the Branch 23 part is not suitable for US Persons. NN Belgium nv/SA does not act under the supervision of the American regulator SEC with regard to the Branch 23 part. Click here for more info.

Saving as a self-employed professional?

The Individual Pension Agreement (IPT) lets you accrue tax-beneficial savings for a supplementary pension.

Tax-Beneficial Long-Term Saving

No mortgage to pay off? In that case, you can build savings with a tax advantage.

Inheritance planning starts today

An inheritance insurance policy provides peace of mind.

Your unique life deserves a personal approach. That is why we are happy to help you find an independent broker in your area


  1. The management regulations of the NN Strategy Branche 23 / Tak 23 investment funds are available on the website www.deltalloydlife.be. Only the full text of these regulations is legally valid. The financial risk of Branche 23 / Tak 23 transactions is fully borne by the policyholder. You can also request a printed copy by writing to NN, Customer Service, Avenue Fonsnylaan 38, B-1060 Brussels.
  2. This interest rate is guaranteed for each deposit for the entire duration of the contract. The guaranteed interest rate for future deposits is the applicable interest rate at the time of the deposit.
  3. Profit share: the company may distribute and allocate a profit share each year at its sole discretion in accordance with the profit-sharing plan submitted to the Financial Services and Markets Authority (FSMA) and following the approval of the general shareholders' meeting. This variable profit share shall be based on the company's results and developments in the financial markets. Profit share allocation cannot be guaranteed for the future.
  4. Net deposits are the net invested deposits (premiums) after deduction of taxes, entry and management fees, premiums and taxes on any supplementary cover.
  5. NN Strategy is a life insurance product that consists of investments with a return that is guaranteed by the insurance company (Branche 21 / Tak 21) and/or from investment funds (Branche 23 / Tak 23) without a guaranteed lump sum. For more information, read the Key Information Document for NN Strategy life insurance on www.nn.be. Applicable law: Belgian law Period: at least 5 years for the financial part and at least 10 years for supplementary cover. The contract has a maximum period of 120 years. Before subscribing to the NN Strategy product, customers are advised to read the documentation on this specific product (the Key Information Document and General Terms and Conditions available on the website www.nn.be) and to verify whether the product is in line with their knowledge and experience with regard to this type of financial product, their financial situation, their risk profile and their investment objectives.
  6. If you have any complaints about your NN contracts, please get in touch with:
    - NN, Quality Team, Avenue Fonsnylaan 38, B-1060 Brussels, klachten@nn.be in the first instance;
    - or with the Consumer Ombudsman Service at Ombudsman van de verzekeringen, Square de Meeûssquare 35, B-1000 Brussels, tel: +32 (0)2 547 58 71, fax: +32 (02) 547 59 75, info@ombudsman.as, www.ombudsman.as a last resort.