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 lon...
INVEST4CHANGE
An investment plan aligned with your values.
Grow your capital
You are looking to diversify your savings by taking advantage of stock market returns while optimising your estate planning.
NEW
3% profit sharing
Foyer is offering its smartlife customers an attractive 3% profit share for the first half of 2023.
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.
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
Annualized return in % | Name | Currency | Date | NAV | YTD | 1 year | 3 years | 5 years |
|---|
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
Annualized return in % | Name | Currency | Date | NAV | YTD | 1 year | 3 years | 5 years |
|---|
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.
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