Retirement and savings
Build for retirement, protect the people around you.
Retirement in Luxembourg rests on three pillars: the state pension, the employer scheme, and your own savings. The third pillar is the only one you steer yourself — and the old-age provision scheme under article 111bis L.I.R. lets you deduct contributions within the limits set by law.
What it covers
- Pension savings with tax relief (art. 111bis L.I.R.)
- Life cover for a partner and children
- Medium and long-term savings contracts
- Incapacity to work, as an add-on
- Passing on the capital you have built
What the contract can include
- Tax-deductible old-age provision under art. 111bis L.I.R.
- Savings and life assurance
- Life cover to protect your family
- An estimate of your state pension
- Managed, profiled or free investment of your savings
What we need from you
- Your date of birth and family situation
- Your horizon: in how many years you want the capital available
- Any existing provision contract
- The amount you can set aside each month
