Preparing for my retirement
Taking out pension insurance allows you to build up savings on a regular basis over the long term.
Pension insurance: an effective complement to the statutory pension and the employer’s retirement plan.
It’s never too early to build up the additional capital that will ensure a good standard of living in retirement. From the start of your working life, opting for a savings solution means you can benefit from tax advantages.
OptiPension+ is a comprehensive and flexible savings plan.
Benefit from income in retirement
At retirement age, clients can:
- either receive all the savings accumulated: the capital will then be taxed at half the overall income tax rate applicable on the day the policy is surrendered;
- or receive all or part of the capital repayment in the form of an annual or monthly life annuity, 50% tax-free.
The policy will reach its term on the 60th birthday at the earliest, provided the policy has been in force for at least 10 years.*
*See applicable taxes if you are resident outside Luxembourg.
The immediate tax benefits
With OptiPension+, clients can reduce their tax base each year, with a tax ceiling set at €3,200 per year regardless of age.
Socially responsible investment formulas
It is possible to combine security and performance within the same insurance policy by mixing investments:
- Capital guaranteed investment (General Fund) with possible profit sharing depending on the financial results of Cardif Lux Vie);
- Investment in a selection of funds according to investor profile. The vehicles available are:
- a range of socially responsible SICAVs based on 3 main themes (preserving water resources, adapting to and mitigating the effects of climate change, and helping to provide better-quality food).
- a range of 5 profiled Collective Internal Funds (C-Life range).
- a range of socially responsible SICAVs based on 3 main themes (preserving water resources, adapting to and mitigating the effects of climate change, and helping to provide better-quality food).
Good to know:
Asset management of the Cardif Lux Vie General Fund respects environmental, social and governance criteria by applying ESG and Carbon filters. With this approach, the company is contributing to a more responsible future by favouring investments in companies with the best ratings on these criteria, as well as their efforts to promote the energy transition.