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Maintain your standard of living
When you retire, your statutory state pension will be considerably lower than your final income.
By starting to build up supplementary retirement savings now, you will be able to bridge this gap and ensure you have a more choices when you retire while taking advantage of tax benefits.
2 solutions to prepare for your retirement
HORIZONT60 INVEST
A supplementary pension plan to accumulate retirement savings while taking advantage of stock market opportunities.
- Your payments are invested in investment funds. These funds are managed on a daily basis by our specialists at CapitalatWork depending on your investor profile.
- Should you die before the policy matures, the amount accumulated until then is paid back to the beneficiaries in which you are free to designate.
- The amounts saved are deductible for income tax purposes in accordance with article 111bis of the Income Tax Law.
The conditions:
- The minimum contract term is 10 years
- Retirement age in the policy is set at a minimum of 60 and a maximum of 75.
ZENITH60
A supplementary pension plan to save safely while protecting your loved ones.
- Your savings are guaranteed: every year, your money grows in line with the profit-sharing granted by Foyer Vie. This profit-sharing is added to your savings.
- Your policy includes term insurance, but you can take out additional cover to maximise the protection of your loved ones: life, road accident or disability risk cover.
- The amounts saved are deductible for income tax purposes in accordance with article 111bis of the Income Tax Law.
The conditions:
- The minimum policy duration is 10 years.
Key features
Flexibility
You are free to choose the frequency and size of the premiums paid.
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.
Savings not taxed on exit
With the zenith 60 solution, whether you choose to recover your capital in full or by monthly transfer, the amounts saved are net of tax.
Tax optimisation
Under the terms to articles 111 and 111 bis of the Income Tax Law, it is possible to deduct from your taxable amount the Providence Life Insurance premiums contract and the premiums paid premiums paid under a life insurance policy.
ZENITH60
You can deduct up to €672 a year per member of your household.Espace client MyFoyer
In your MyFoyer Client Area, you can view your policies, request attestations or tax certificates or update your personal data.
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