Retirement

Prepare for your retirement in a flexible way

I save
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 Date NAV YTD 1 year 3 years 5 years
ESG Bonds at Work CurrencyEUR Date02/10/2024 NAV156.54 YTD3.01 % 1 year9.18 % 3 years-0.23 % 5 years0.57 % Download details
ESG Equities at Work CurrencyEUR Date02/10/2024 NAV230.59 YTD9.02 % 1 year16.05 % 3 years6.67 % 5 years11.28 % Download details
Contrarian CurrencyEUR Date02/10/2024 NAV1126.96 YTD8.57 % 1 year12.57 % 3 years6.33 % 5 years10.62 % Download details
Defensive CurrencyEUR Date02/10/2024 NAV202.61 YTD3.34 % 1 year8.42 % 3 years1.57 % 5 years3.12 % Download details
Balanced CurrencyEUR Date02/10/2024 NAV215.79 YTD5.32 % 1 year10.26 % 3 years3.61 % 5 years6.08 % Download details
Dynamic CurrencyEUR Date02/10/2024 NAV265.97 YTD7.4 % 1 year11.82 % 3 years5.48 % 5 years8.85 % Download details

Annualized return in %

Key features horizon

Flexibility
You are free to choose the frequency and size of the premiums paid.
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.
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.
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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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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