Retirement
Prepare for your retirement in a flexible way
horizon is a supplementary pension plan that allows you to build up a pension while taking advantage of stock market opportunities. Your payments are invested in investment funds. These funds are managed daily by our CapitalatWork specialists according to your investor profile.
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 | ||
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| ESG Bonds at Work | CurrencyEUR | Date28/07/2025 | NAV153.40 | YTD-0.9 % | 1 year0.8 % | 3 years-1.07 % | 5 years-0.23 % | Download details |
| ESG Equities at Work | CurrencyEUR | Date28/07/2025 | NAV242.91 | YTD5.02 % | 1 year6.93 % | 3 years9.56 % | 5 years11.13 % | Download details |
| Contrarian | CurrencyEUR | Date28/07/2025 | NAV1160.97 | YTD0.9 % | 1 year5.97 % | 3 years8.2 % | 5 years10.56 % | Download details |
| Defensive | CurrencyEUR | Date28/07/2025 | NAV201.35 | YTD-0.29 % | 1 year2.2 % | 3 years1.08 % | 5 years2.52 % | Download details |
| Balanced | CurrencyEUR | Date28/07/2025 | NAV217.18 | YTD0 % | 1 year3.44 % | 3 years3.59 % | 5 years5.48 % | Download details |
| Dynamic | CurrencyEUR | Date28/07/2025 | NAV272.74 | YTD0.99 % | 1 year5.47 % | 3 years6.37 % | 5 years8.48 % | Download details |
Annualized return in %
Key features horizon
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Flexibility
You are free to choose the frequency and size of the premiums paid.
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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.
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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.
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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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