Grow your capital

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

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

Smartlife

You want to build up capital and make it grow in order to finance your plans for the future? smartlife is a multi-vehicle life insurance policy that you can pay into and withdraw from as you wish. Investments can be allocated between the unit-linked accounts within the policy and a guaranteed rate provides significant flexibility.

Invest4Change

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 policy 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.

INVEST4CHANGE
An investment plan aligned with your values.

A choice of 2 investment funds

You can divide your investments between 2 funds.

A fund fully invested in bonds Capital at Work Foyer Umbrella ESG Bonds
A fund fully invested in equities Capital at Work Foyer Umbrella ESG Equities
CapitalatWork Foyer Umbrella
CapitalatWork Foyer Umbrella
Name Currency Date NAV YTD 1 year 3 years 5 years
Annualized return in %

From conservative to aggressive, we offer you 4 investor profiles depending on your personal situation, your objectives and needs.

Conservative profile

25% ESG Equities / 75% ESG Bonds

Balanced profile

50% ESG Equities / 50% ESG Bonds

Growth profile

25% ESG Bonds / 75% ESG Equities

Aggressive profile

100% ESG Equities

All you need to know about invest4change

You can switch between funds if you want to change the allocation of your investments.

In the event of death before the end date of the contract, Foyer will pay the amount reached at the date of death.All you need to know about invest4change

Key features

Aligned with your values

Exclusive invest4change
Through invest4change you invest with awareness to take care of the world in which we live.

Product awarded

Exclusive invest4change
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 invest4change policy in the event of death, a choice you can amend at any time free of charge.

Attractive potential returns

Depending on your investment horizon, invest4change offers you many opportunities to grow your savings through its different funds.

Your money remains available

You can withdraw all or part of your savings at any time free of charge.

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.

A socially responsible investment strategy

This investment methodology complements the long-term philosophy of CapitalatWork Foyer Group by promoting companies active in sustainable economic development.
It is based on 3 pillars:


  • 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

SMARTLIFE
A flexible and tailored investment plan

The investment plan that adapts to your rhythm and your projects

smartlife 25

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

smartlife 50

A balance between growth and security
  • 50% unit- linked funds
  • 50% at a guaranteed rate

smartlife 75

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

smartlife 100

Long-term growth
  • 100% unit-linked funds

Access to different units of account vehicles

To benefit from interesting return prospects, you also have access to different funds. They enable you to invest according to your investment horizon and your risk profile.

CapitalatWork Foyer Umbrella
CapitalatWork Foyer Umbrella
Name Currency Date NAV YTD 1 year 3 years 5 years
Annualized return in %

All you need to know about smartlife

You can switch between funds if you want to change the allocation of your investments.

In the event of death before the end date of the contract, Foyer will pay the amount reached at the date of death.

Key features

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.

Responsible management

Your savings are managed by 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.

Attractive yield prospects

Depending on your investment horizon, smartlife offers you many opportunities to grow your savings through a variety of guaranteed and variable capital options.

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.

Your money is always available

You can withdraw all or part of your savings at any time.

Savings not taxed on payout

When the policy matures or in the event of partial or total withdrawal, the benefit payable to you is tax exempt.

MyFoyer Client Area

In your MyFoyer Client Area, you can view your policies, monitor the trends and performance of your investments, and request attestations or tax certificates.

 

Contact me

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