Grow your capital

You are looking to diversify your savings by taking advantage of stock market returns while optimising your estate planning.

I grow
my savings


2 Investment solutions that can adapt to your pace and your projects


You want to give more meaning your investments by contributing to a more responsible, ecological and social future?

invest4change is a multi-vehicle life insurance contract that you can pay into and withdraw from as you wish through which you can invest, over the medium to long terms, in ethical investment funds that apply a method of securities selection (equities or bonds) integrating ESG (Environmental, Social and Governance) criteria. You can divide your investments between two funds according to your investor profile. From conservative to aggressive, you have the choice of 4 profiles depending on your personal situation, your objectives and your needs.

Capital protection

  • 25% ESG Equities
  • 75% ESG Bonds

A balance between growth and security

  • 50% ESG Equities
  • 50% ESG Bonds

Attractive yield prospects

  • 75% ESG Equities
  • 25% ESG Bonds

Long-term growth

  • 100% ESG Equities

A socially responsible investment strategy

  • The integration of ESG (Environmental, Social and Governance) criteria during the investment process.
  • Transparency of our investments through regular dialogue with our clients.
  • Our commitment to represent your best interests through our investments.


You would like to set aside capital and have it grow in order to finance future projects?

smartlife is a multi-vehicle life insurance policy that you can pay into and withdraw from as you wish and consisting of 4 packages. Investments can be allocated between the unit-linked accounts and a vehicle with a guaranteed rate providing significant flexibility.

Capital protection

  • 25% unit-linked funds
  • 75% at a guaranteed rate

A balance between growth and security

  • 50% unit-linked funds
  • 50% at a guaranteed rate

Attractive yield prospects

  • 75% unit-linked funds
  • 25% at a guaranteed rate

Long-term growth

  • 100% unit-linked funds

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.

INVEST4CHANGE Currency Date NAV YTD 1 year 3 years 5 years
ESG Bonds at Work CurrencyEUR Date15/07/2024 NAV152.28 YTD0.21 % 1 year4.32 % 3 years-0.95 % 5 years0.48 % Download details
ESG Equities at Work CurrencyEUR Date15/07/2024 NAV229.99 YTD8.74 % 1 year15.92 % 3 years6.68 % 5 years11.27 % Download details

Annualized return in %

SMARTLIFE Currency Date NAV YTD 1 year 3 years 5 years
ESG Equities at Work CurrencyEUR Date15/07/2024 NAV229.99 YTD8.74 % 1 year15.92 % 3 years6.68 % 5 years11.27 % Download details
Balanced CurrencyEUR Date15/07/2024 NAV211.98 YTD3.46 % 1 year9.29 % 3 years3.19 % 5 years5.9 % Download details
Dynamic CurrencyEUR Date15/07/2024 NAV261.87 YTD5.74 % 1 year12.26 % 3 years5.1 % 5 years8.54 % Download details
Contrarian CurrencyEUR Date15/07/2024 NAV1114.02 YTD7.32 % 1 year13.68 % 3 years5.97 % 5 years10.35 % Download details

Annualized return in %

Key features

Aligned with your values
Socially responsible investment (SRI), through invest4change you invest with awareness to protect the world in which we live.
Product awarded
A product with a label that is based on an investment strategy strictly approved by professional associations specialising in this area.
Estate planning
You are free to appoint the beneficiaries of your policy in the event of death, a choice you can amend at any time free of charge.
Invest4change Smartlife
Attractive potential returns
Depending on your investment horizon, smartlife and invest4change offer you many opportunities to grow your savings through its different investment funds (possibility to choose ESG funds) or its guaranteed-rate vehicle.
Invest4change Smartlife
Your money remains available
You can withdraw all or part of your savings at any time free of charge.
Invest4change Smartlife
You can switch between funds if you want to change the allocation of your investments.
Invest4change Smartlife
No exit tax on your savings
Your capital payable when the policy matures or in the event of a partial or total exit is tax exempt.
Invest4change Smartlife
Responsible management
The management of your savings is ensured by CapitalatWork, a team of experienced asset managers. They aim to strike the right balance between risk and yields so as to profit from performance on the financial markets.
Invest4change Smartlife
Optimum protection of your savings
Luxembourg life insurance policies provide unlimited security on the deposited assets. The capital of your policy is separated from the assets of the insurance company and the custodian bank. This “super-privilege” enables you to recover your assets ahead of any other creditor of the company.
Invest4change Smartlife


Not included

Young professionals: which personal protection insurance is best for you?

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2 insurance policies to protect your loved ones in the event of death

Insuring the future of your loved ones also means guaranteeing that they will not be financially disadvantaged if you die. However, with the complexity of numerous insurance policies, it does not make things easy. Which ones would cover your loans? Your child’s future studies? What are the advantages of taking out life insurance in Luxembourg?

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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!

More info

Foyer blog

Find all our advice on the blog

You can discover all our articles written by experts to help you understand the world of insurance, give you the best advice and above all, help you prevent risks in your everyday life.

The insurance check-up, the central instrument of our advisory approach

As an insurer, our role is to guide you towards the type of coverage most suited to your daily activities so that you feel fully protected.

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.

To take advantage of this service, just make an appointment with a Foyer agent, it’s free and with no obligation.

MyFoyer Client Area

In your myFoyer client area, you can view your contracts, request a tax certificate or update your personal details.

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