It's great that you're already saving for your pension. We think the Belgian pension saving plan is a good system thanks to the tax break. However we see a couple of limitations:
Your contributions are capped at €1,270 per year.
Pension saving funds are constrained in how they invest your money. This puts a limit on the return of your investments.

Curvo Portfolios are a good option if you wish to save more than €1,270 in a year or if you seek a higher return.

We have written two resources where you can learn more on this topic:
Passive investing vs. pension saving
The guide to Belgian pension saving
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