Private pension plan
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Prepare your future with easyLIFE Pension by LALUX
Tax savings
Deduct up to 3.200€ per year from your tax return and reduce your tax burden by up to 1.465€.
Attractive return on invest
Your capital can be invested in investmend funds, allowing you to benefit from the performance of the stock markets. Alternatively you can opt for the option 'Guaranteed Capital' without fund investments.
Enjoy your future
From the age of 60, you can access the saved capital and enjoy additional income.
Some examples:
Monthly invest of 266€ (maximum)
Available capital at age 60, if you are today:
- 30 years: +/- 212.000€
- 35 years: +/- 152.000€
- 40 years: +/- 105.000€
Assumption of an annual return of 5%
Monthly invest of 100€
Available capital at age 60, if you are today:
- 30 ans: +/- 80.000 €
- 35 ans: +/- 57.000 €
- 40 ans: +/- 39.000 €
Assumption of an annual return of 5%
Monthly invest of 200€
Available capital at age 60, if you are today:
- 30 ans: +/- 160.000 €
- 35 ans: +/- 114.000 €
- 40 ans: +/- 78.000 €
Assumption of an annual return of 5%
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Private Pension Plan: Save taxes now, get additional income later!
What is a Private Pension Plan?
A private pension plan is an investment accessible from age 60, to supplement your income during retirement.
You have 2 options:
- Performance Your savings will be invested in a choice of investment funds.
- Security A minimum amount is guaranteed at the end of the contract.
What happens if you leave Luxembourg?
2 options:
- Continue your investment, accessing capital at 60, though tax deductibility may vary in your new residence.
- Stop your monthly investments, letting your capital grow till 60, accessible globally.
What if life ends before 60?
In such unfortunate event, your designated beneficiaries—kids, partner, or other family—will receive the accumulated capital at the moment of your death, making a pension plan an additional safety net for loved ones.
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