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.


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.


  • 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 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
Contrarian CurrencyEUR Date15/07/2024 NAV1114.02 YTD7.32 % 1 year13.68 % 3 years5.97 % 5 years10.35 % Download details
Defensive CurrencyEUR Date15/07/2024 NAV198.54 YTD1.27 % 1 year6.19 % 3 years1.04 % 5 years3 % 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

Annualized return in %

Key features horizon

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

According to the European Statistical Office Eurostat, 19.2% of 15-29 year-olds were employed in 2021. If you want to enter the world of work with peace of mind, personalised protection is essential to guard against life’s unpredictability. So, how do you insure yourself in the event of disability? Let’s discover the importance of choosing a personal protection insurance adapted to your needs as a young professional.

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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!

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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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