Retirement
Prepare for your retirement in a flexible way
horizon is a supplementary pension plan that allows you to build up a pension while taking advantage of stock market opportunities. Your payments are invested in investment funds. These funds are managed daily by our CapitalatWork specialists according to your investor profile.
for my retirement
Key features
Tax optimisation
Under the terms to articles 111bis of the Income Tax Law, it is possible to deduct from your taxable amount the premiums paid under a life insurance policy. You can deduct up to €3,200 a year under your horizon policy.
Our SOLUTIONS
The choice of different investment vehicles to allocate your savings
1 capital protection option to provide balance between growth and security.
(Within the limit of 50% of your investments)
6 variable capital investment vehicles that offer greater performance, including 2 ESG vehicles to give meaning to your investments by adopting a responsible approach.
Conditions:
- The minimum contract term is 10 years.
- The contract maturity age is minimum 60 years and maximum 75 years.
Access to different unit-linked investment vehicles
To benefit from interesting yield prospects, you also have access to different funds.
They enable you to invest according to your investment horizon and your risk profile.
Currency | NAV | YTD | 1 year | 3 years | 5 years | ||
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ESG Bonds at Work | CurrencyEUR | NAV149.87 | YTD14/03/2024 | 1 year1.36 % | 3 years-0.87 % | 5 years0.87 % | Download details |
ESG Equities at Work | CurrencyEUR | NAV220.78 | YTD14/03/2024 | 1 year20.19 % | 3 years8.63 % | 5 years11.43 % | Download details |
Contrarian | CurrencyEUR | NAV1063.10 | YTD14/03/2024 | 1 year16.62 % | 3 years6.46 % | 5 years10.86 % | Download details |
Defensive | CurrencyEUR | NAV195.40 | YTD14/03/2024 | 1 year5.47 % | 3 years1.43 % | 5 years3.47 % | Download details |
Balanced | CurrencyEUR | NAV206.50 | YTD14/03/2024 | 1 year9.67 % | 3 years3.64 % | 5 years6.23 % | Download details |
Dynamic | CurrencyEUR | NAV252.31 | YTD14/03/2024 | 1 year13.88 % | 3 years5.55 % | 5 years8.71 % | Download details |
Annualized return in %
Key features horizon
Flexibility
You are free to choose the frequency and size of the premiums paid.
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Estate planning
You are free to appoint the beneficiaries of your smartlife policy in the event of death, a choice you can amend at any time free of charge.
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You choose how you wish to access your funds
At retirement (between the ages of 60 and 75), you can opt for: a monthly lifetime annuity, free access to all or part of your capital, or a mix of the two. In the event of disability or serious illness, your interest or capital may be paid out before you reach retirement age.
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Responsible management
The management of your savings is ensured by a team of experienced CapitalatWork managers. They aim to strike the right balance between risk and yields so as to profit from performance on the financial markets.
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How can you ensure you are well prepared for your retirement?
What will your income be once you’ve retired? Not many people can answer this question, but it’s an important one. Retirement can be a good and long period of your life.
According to statistics, the average loss in income is 25%. You may feel this decrease might restrict your choices in life, particularly at a time when you have more time and spend more.
So what is the solution? In Luxembourg you can profit from the latest tax initiatives which allow you to save for the future (with growth) within tax efficient investment products. . It is never too late to think about your retirement to ensure you have greater financial control and remember, the earlier you prepare for your retirement, the more you will accumulate!
It’s more important than ever for young people to think about retirement planning
Why? Due to our increasing life expectancy many of us will have a much longer retirement period than previous generations.
Living until you’re 90 now means you’ll be living on your pension for 25 years. As you can imagine, preparing for this will take some planning. That’s why Luxembourg is encouraging its population to start building a supplementary retirement income.
How can Newcomers optimise their tax returns?
Changing jobs and schools for your children, looking for somewhere to live, dealing with a host of administrative procedures, moving to Luxembourg is a real adventure. This move also has an impact on your tax situation, and in particular your tax return. Foyer explains how to optimise this and give you some useful tips.
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To help everyone clarify their situation, we have developed what we call the “customer assessment“. It’s a simple, intuitive tool that provides an overview of your insurance needs, defines your priority requirements and your medium- and long-term prospects, and guides you towards a personalised solution.
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