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 NAV YTD 1 year 3 years 5 years
ESG Bonds at Work CurrencyEUR NAV149.80 YTD29/02/2024 1 year1.74 % 3 years-0.69 % 5 years1.02 % Download details
ESG Equities at Work CurrencyEUR NAV220.95 YTD29/02/2024 1 year16.3 % 3 years9.53 % 5 years11.84 % Download details
Contrarian CurrencyEUR NAV1062.54 YTD29/02/2024 1 year12.53 % 3 years7.94 % 5 years11.06 % Download details
Defensive CurrencyEUR NAV195.38 YTD29/02/2024 1 year4.87 % 3 years1.96 % 5 years3.61 % Download details
Balanced CurrencyEUR NAV206.41 YTD29/02/2024 1 year7.96 % 3 years4.49 % 5 years6.34 % Download details
Dynamic CurrencyEUR NAV252.14 YTD29/02/2024 1 year11.09 % 3 years6.74 % 5 years8.84 % 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 charg

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.

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

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.

More info

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.

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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