The 5’ Newsletter Mug - September 2026 - Branch 21 and Branch 26 rates Belgium
Branch 21 & Branch 26 Insurance
Discover the latest market offers to grow the capital of individuals and companies
Where should you invest your capital so you don't have to start from scratch in 12 months?
As the battle of rates rages between bank savings accounts and government bonds — often limited to a one-year maturity — a strategic question arises: what to do with your liquidity to secure a sustainable return?
To counter short-term solutions, major Belgian insurers (AG, Baloise, Patronale Life, Securex) are fighting back. Their weapons? Attractive guaranteed rates, locked in for 3, 5 or 8 years, for both individuals and businesses.
Here is our comparative analysis of the best current opportunities to make your money work for you with complete peace of mind.
💡 A solution accessible to all: Contrary to popular belief, these contracts are not reserved for the very wealthy. Most of these opportunities are accessible from €2,500, allowing you to invest your savings or optimize your cash flow with complete flexibility.
1. Branch 21 Insurance - Branch 21 and Branch 26 rates Belgium
Capital guaranteed with total exemption from withholding tax after 8 years and 1 day (the gross rate is equivalent to the net rate) - initial and final insurance tax of 2%.
Securex (Securex Invest 21): Guaranteed rate of 3.33% for 8 years.
Patronale Life (Fix21): Guaranteed rate of 3.30% from October 1st.
AG Insurance: 3.10% the 1st year, then 3.00% from years 2 to 8.
2. Branch 26 Insurance - Branch 21 and Branch 26 rates Belgium
Fixed-term capitalisation contract, guaranteed capital. Subject to withholding tax of 30% (calculated below).
Patronale Life:
1 year: 2.80% gross ➡️ 1.96% NET
2 years: 2.90% gross ➡️ 2.03% NET
3 years: 3.00% gross ➡️ 2.10% NET
5 years: 3.25% gross ➡️ 2.28% NET
7 years: 3.50% gross ➡️ 2.45% NET
10 years: 3.25% gross ➡️ 2.28% NET
Securex:
3-year term: 2.50% gross ➡️ 1.75% net
5-year term: 2.75% gross ➡️ 1.93% NET
AG Insurance:
AG Business Invest 5 years: 2.50% gross ➡️ 1.75% NET
AG Business Invest 8 years: 3.00% gross ➡️ 2.10% NET
Baloise:
3-year term: 2.70% gross ➡️ 1.89% NET
Term 8 years: 3.30% gross ➡️ 2.31% NET
💡 Why have your cash flow analyzed now?
Locking in an attractive return over 3, 5, or 8 years protects you against future drops in key interest rates. Unlike a bank that only offers its own products, our role as an independent broker is to scan the entire Belgian market to select the contract offering the best net return for your specific profile (individual or company).
🎯 Ready to check if your money is working at the right rate? Simply reply to this email with the duration and amount you wish to invest: we will carry out a personalized comparative simulation, with no obligation.
Macro & Market Update
📊 Analysis: 3 insights into the financial environment in 2026
Between the media noise surrounding each economic shock and the daily cash flow adjustments, it is sometimes difficult to isolate the important signals.
By combining recent publications from JP Morgan, Aberdeen and M&G, here are 3 key insights to enrich your analysis.
Insight #1: The opportunity cost of unarbitrated cash
Observation: In Belgium, significant amounts of cash remain tied up in low-interest bank accounts. While this option preserves immediate availability, it exposes the capital to losses due to inflation.
What the market data (Aberdeen) shows:
Short-dated bond strategies have historically been an intermediate step between current accounts and stock markets (principle used in branch 26 insurance).
Short-term bonds exhibit low sensitivity to interest rate changes, while capturing overall returns aligned with current base rates.
Reading grid: For cash which does not require day-to-day availability, comparative analysis between cash, short-term bonds and guaranteed contracts (Branch 21/26) makes it possible to optimize the overall return without drastically changing the risk profile.
Insight #2: Short-term volatility vs. structural credit strength
Observation: Geopolitical announcements and monetary policy adjustments generate frequent phases of volatility which sometimes encourage savers to make hasty arbitrage decisions.
What the historical data from the bond market ("Honey Badger") reveals:
The structure of the high-yield corporate bond market has strengthened: 60% of the issuers in the index are now rated BB (the strongest category in this segment), compared to 38% in 2007.
Companies are generally showing a higher level of resilience than in previous cycles.
Reading grid: Historically, temporary price declines linked to external shocks have often represented windows of opportunity to lock in higher long-term rates of return.
Insight #3: Cybersecurity, a new operational and thematic challenge
Observation: The emergence of advanced artificial intelligence models is accelerating the detection and exploitation of large-scale computer vulnerabilities.
The JP Morgan (Patchmageddon) study highlights the following:
Operationally: Over 60% of incidents occur on systems where a security patch existed but had not yet been applied. Managing technological risks is now inextricably linked to a company's financial health.
On the market front: There is a clear divergence across sectors. Traditional software publishers are facing uncertainties related to automation, while the MSCI World Cybersecurity index is significantly outperforming, supported by the top priority given to data protection.
Reading grid: Cybersecurity is gradually establishing itself as a defensive and strategic sector within technology asset allocations.
💡 Summary: How to understand the distribution of your assets?
The analysis of these trends highlights a structured three-step approach:
Security base: Fix the return on stable liquid assets via capital-guaranteed solutions (Branch 21, Branch 26) to benefit from current rates.
Dynamic liquidity pocket: Explore short-term bond solutions to outperform cash without being affected by stock market volatility.
Growth pocket: Maintaining exposure to major structural trends (such as cybersecurity) from a longer-term perspective.
💬 Would you like to obtain a comparative and neutral analysis of your current positions?
Our team is available to conduct a personalized study of your portfolio or company cash flow.
📑 Reference Sources & Analyses: Aberdeen (July 2026), JP Morgan Asset Management (July 2026), Luke Coha (September 2026) M&G Inv. Bond Vigil ante.
Tax news
The impact of capital gains tax on direct management
Beyond the general principles of this new 10% tax, here are its concrete consequences on the management of a traditional securities account:
Tax friction with each arbitrage: The slightest reallocation or sale of assets triggers a 10% tax on the capital gain realized, which slows down the responsiveness of your portfolio.
No loss carryforward: The law prohibits offsetting losses from a bad year against gains in subsequent years, so tax smoothing is impossible in direct ownership.
Tax trap in inheritance: In the event of transfer, the heirs take over the initial purchase value of the deceased without resetting to zero, which accumulates taxation on the entire history of the security.
What this means for you: The Branch 23 Reflex
0% tax arbitrage: Modifying your funds, rebalancing your positions or adjusting your risk profile within a Branch 23 is done without any tax friction (neither TOB nor capital gains tax).
Deferred taxation on redemptions: Tax only applies when you withdraw capital from the contract, allowing your capital gains to continue to accrue gross of tax.
Purging of capital gains upon death: Upon termination of the contract by death, the capital is transferred to the beneficiaries without application of the tax on capital gains accumulated by the deceased.
📑 Source: Utmost Luxembourg SA (Belgian Branch), “Capital Gains Tax: 10 Reasons to Consider Taking Out a Life Insurance Contract”, May 2026.
Credit News
Why we trust Mozzeno to boost your financial projects
In a rapidly changing financial landscape, the search for flexible, transparent alternatives rooted in the local economy has become a priority for both individuals and businesses. It is with this in mind that we have entered into a strategic partnership with Mozzeno, the first Belgian peer-to-peer lending platform authorized by the FSMA.
But what makes this Belgian Fintech so unique in the market? Let's take a look at the strengths that make this 100% digital solution a success.
The collaborative model: a modern alternative to traditional banks
Unlike traditional banking, Mozzeno operates on the principle of crowdfunding: loans granted to borrowers are indirectly financed by local individual and institutional investors. This model creates a virtuous ecosystem where the capital of some supports the concrete, local projects of others.
What users appreciate: speed, simplicity, and a human touch
By reviewing user and industry analyst opinions, several key strengths consistently emerge:
A 100% online and ultra-responsive process: From the initial request to the signing of the contract, all steps are carried out on a smooth and intuitive platform. Responses are almost immediate, avoiding the administrative burdens of traditional appointments.
Rewarding good financial behavior: Mozzeno offers an innovative "reward for perfect repayment" mechanism, refunding part of the processing fees to borrowers who honor their monthly payments on time.
Responsive support: Although the interface is entirely digital, the presence of a dedicated and reachable team guarantees human and personalized support at every stage.
Accessible investment solutions: For investors, the platform offers formulas adapted to each profile (from autonomous management to delegation via a Branch 23 fund), coupled with diversification and protection mechanisms.
A partnership to serve your ambitions
The signing of this agreement with Mozzeno allows us to offer you direct access to financing and investment solutions that complement traditional banking services. Whether you need to realize a personal project, finance a business need, or boost your cash flow, this partnership reflects our commitment to providing you with high-performing, secure financial tools rooted in the Belgian economy.
Feel free to contact us to discover how to integrate Mozzeno solutions into your overall project strategy.
Be careful, borrowing money also costs money.
Non-Life Insurance (Property & Casualty) News Foyer Assurances launches move123 , a new insurance solution dedicated to users of soft mobility (electric bikes, speed pedelecs, motorized scooters and monowheels less than one year old). Available from €5/month, the contract includes three fundamental guarantees: Theft & Material Damage: Compensation up to €12,000 worldwide (including in case of a single fall or battery fire). European Assistance: Breakdown assistance, towing and replacement vehicle (up to 7 days) in case of breakdown, puncture or vandalism. Optional guarantees: Protected Cyclist Cover (up to €100,000/year in case of bodily injury) and Family Civil Liability. DKV Belgium is rolling out its brand new health benefit DKV Nova , available from September 28, 2026 directly in the DKV App. Reserved for corporate clients (and their dependents) with an outpatient plan (DKV Plan A, AZ, Medipack PRO, etc.), this innovative service offers 24/7 access to approved healthcare professionals at no extra cost. The offer is structured around three pillars: Medical Advice: 24/7 teleconsultations with a general practitioner and dermatological diagnosis within 48 hours. Mind Vitality: Psychological support, 24/7 crisis assistance and specialized coaching (sleep, smoking cessation). Body Vitality: Support from a physiotherapist, a nutritionist and a sports coach. AG Insurance is honoring its Auto policyholders with the return of its AG Car Repair Days , organized on October 23 and 24, 2026 at Flanders Expo (Ghent). By prior appointment, customers with an AG Auto insurance policy benefit from free dent repair for their vehicle (up to 3 small dents without paint damage, smaller than a €2 coin). The repair is carried out on-site using PDR ( Paintless Dent Repair ) technology by certified specialists, while the insured enjoys the on-site service. Registration is done directly online using the contract number and vehicle registration plate. A competition is also open, giving prospective customers the chance to win one of the free repair sessions up for grabs. Feel free to contact me for any further questions, an analysis of your insurance or credit file, or a review of your portfolio. |
Copyright © 2026 The Thrive Invest Company. All rights reserved. All terms and conditions for the products mentioned can be found on the website : www.thrive-invest.com The Thrive Invest Company SRL is authorized and regulated by the Belgian Financial Services Authority as an insurance broker under company number 0667508270, with its registered office at 218 rue de la station, 1410 Waterloo. All investments involve risks, including the possible loss of invested capital, and past performance is not indicative of future results. All images in this mailing are for illustrative purposes only, and the performance figures shown should not be considered representative of actual performance. The information presented is provided for informational purposes only. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any financial instrument. |
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