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Anticipating a tailored retirement
Foyer Lux-Assurances also thinks about your retirement in Luxembourg and has developed horizon, a complementary pension plan to build up your retirement capital while taking advantage of stock market opportunities. Your payments are invested into investment funds that are managed daily by our specialists at CapitalatWork according to your investor profile. An insurance that looks towards the future.
1 capital-protected investment to offer a balance between growth and security.
(Up to 50% of your investments)
6 variable-capital vehicles that deliver enhanced performance, including 2 ESG vehicles to give meaning to your investments by adopting a responsible approach.
Your benefits
Flexibility
You are free to choose the frequency and amount of premiums paid into your savings.
Choice of regulation
Between the ages of 60 and 75, for your retirement, you can choose between: receiving a monthly life annuity, disposing freely of all or part of your capital or to combine the two options. In the event of disability or serious illness, your pension or lump sum can be paid out before retirement age.
Passing on your assets
In the event of premature death, the amount saved to date is paid out to the beneficiaries you have designated.
Safe and secure management
Your pension plan savings are managed by a team of experienced asset managers. They constantly strive for the right investment balance between risk and return to take advantage of the performance offered by the financial markets.
Tax optimisation
The premiums paid for an old-age pension provision are deductible from your taxable amount (article 111bis of the Income Tax Act).
You can deduct up to €3,200/year under your horizon contract.
Tax optimisation
Premiums paid into an old-age pension contract are tax-deductible (article 111bis of the Income Tax Act).
You can deduct up to €3,200/year under your horizon contract.
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