Popularity of cycling: routes and practical advice
Bicycle sales are booming in Luxembourg. There's good news for you: with 632 kilometres of cycle paths to explore, we've also got a...
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2 investment solutions according to your rhythm and your projects
SMARTLIFE
Do you want to finance future projects by building up capital and making it grow?
Smartlife is a multi-support life insurance contract with free payments and withdrawals: great flexibility for this insurance and savings product where your investment can be split between unit-linked products and a guaranteed rate product.
INVEST4CHANGE
Do you want to give meaning and moral value to your investments by participating in a more ecofriendly, responsible and social future?
Invest4change is a multi-support life insurance contract with free payments and withdrawals: medium and long term investment and savings in ethical investment funds, which respect an asset selection methodology (shares or bonds) integrating ESG criteria (Environmental, Social and Governance).
INVEST4CHANGE
An investment plan that respects your values.
The choice between 2 investment funds
Depending on the investor's profile, investments can be split between 2 funds.
100% bonds fund
Umbrella ESG bonds from Foyer Capital at Work
100% shares fund
Capital at Work Foyer Umbrella ESG Equities
To meet your needs and objectives, and depending on your personal situation, Foyer Lux-Assurances offers you 4 investor profiles, from conservative to aggressive.
CONSERVATIVE PROFILE
25% ESG Equities / 75% ESG Bonds
BALANCED PROFILE
50% ESG Equities / 50% ESG Bonds
GROWTH PROFILE
25% ESG Bonds / 75% ESG Equities
AGRESSIVE PROFILE
100% ESG Equities
Your benefits
Respect for your values
A socially responsible and informed investment to watch over the world around us.
A labelled product
An investment strategy encouraged and endorsed by expert professional associations.
Passing on your assets
The beneficiaries of your invest4change policy in the event of death are freely designated, a choice that can be changed any time and free of charge.
An attractive return
Invest4change offers many possibilities to develop your savings through its various funds and according to your investment horizon.
The availability of your funds
All or part of the value of your savings is available any time.
Savings not taxed on exit
The capital payable at the end of the contract or in the event of partial or total withdrawal is not subject to taxation.
The long-term philosophy of CapitalatWork Foyer Group is complemented by this investment methodology: It supports companies that are active in sustainable development.
It is based on 3 pillars:
The integration of ESG criteria related to the Environment, Society and Corporate Governance, at the time of the investment process.
Constant relations with our clients for transparent investments.
Ensuring the fairest representation of your interests through our investments.
SMARTLIFE
A flexible and tailored investment plan
4 plans to choose from to adapt to your needs and profile
SMARTLIFE 25
Capital protection
25% in units of account
-75% guaranteed rate
SMARTLIFE 50
Balance between growth and security
50% unit-linked
50% guaranteed rate
SMARTLIFE 75
Attractive return prospects
75% unit-linked
25% guaranteed rate
SMARTLIFE 100
Long-term growth
100% unit-linked
Several accessible unit-linked products
To enable you to invest according to your risk profile and investment horizon, and to benefit from attractive return prospects, you also have a choice of different funds.
Your benefits
Passing on your assets
The beneficiaries of your smartlife contract are freely designated in the event of death.
Safe and secure management
A team of experienced asset managers will manage your savings with the aim of achieving the best possible balance between risk and return while allowing you to benefit from the performance of the financial markets.
Attractive return prospects
Smart invest life and invest4change, two plans with the possibility of developing your savings through its various guaranteed rate or variable capital supports to meet your expectations.
Maximum protection for your savings
In Luxembourg, if the insurance company runs into difficulties, your assets are optimally protected because your money is kept in a separate account from theirs.
Availability of your money
Your savings are available at any time, so they are liquid savings.
Savings not taxed on exit
The capital payable at the end of the contract is not subject to taxation.
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