When do I choose business investing instead of a pension account?

Business investing suits capital that stays in the BV and needs to remain flexible:

• Surplus liquidity you don't need for now.
• Capital growth within the company.
• Money you want access to without a retirement age.

If instead you want to build up tax-efficiently for later, a third-pillar pension account makes more sense: your contribution is deductible within your jaarruimte. Many DGAs combine both. Discuss your situation with your accountant, or see business investing and pension for entrepreneurs.