Are you self-employed in Luxembourg, live there and want to boost your retirement? Do you want to cover yourself and your loved ones against the risk of death or disability? In this article, our expert Bruno Mendes, Business Advisor Coordinator at Spuerkeess, explains why and how you can benefit from a highly advantageous tax framework. Happy reading!
Your capital can be repaid at the earliest at the age of 60, after a minimum contract period of 10 years.
At that point, you can choose between:
A one-off repayment of the accumulated funds
The capital repayment is taxed at half the overall rate, in other words half the taxpayer's average tax rate.
Need help or more information on S-pension? Take a look at our special section!
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With S-Pension, you can choose an investment package according to your preferences and your risk tolerance.
We offer two packages:
With the Stocks package, your capital is invested in one of the subfunds of the lux|pension fund with exposure to the equity markets:
SubfundsMaximum capital invested in equitiesLUX-PENSION 100%100 %LUX-PENSION 75%75 %LUX-PENSION 50%50 %LUX-PENSION 25%25 %LUX-PENSION MARCHE MONETAIRE0 %The Stocks package is the right choice for those who seek maximum simplicity without having to worry about investment decisions.
With the Flux package, you decide how to divide your capital between the subfund LUX-PENSION 100% and the subfund LUX-PENSION MARCHE MONETAIRE.
SubfundsMaximum capital invested in equitiesLUX-PENSION 100%100 %LUX-PENSION MARCHE MONETAIRE0 % -
Yes, provided that you are a taxpayer in Luxembourg, i.e. that you earn more than 90% of your combined foreign and domestic wages in Luxembourg (or 50% if you are a Belgian resident). In this case, the non-resident taxpayer is considered a resident taxpayer and enjoys the same deductions and reductions.