Old-age provision allows you to obtain additional retirement income while benefiting from tax reductions each year. Work in your home? A secondary residence? A big trip?
Whatever your project, thanks to your personal pension plan , you can achieve it.
Depending on your investor profile, you choose between different formulas offered by insurance companies.
Do you want to save to finance the purchase of real estate, finance the renovation or transformation of your home ? Then the “ House Savings Plan ” solution is made for you.
Outstanding balance due insurance (SRD) is a type of life insurance or death insurance that covers a chosen amount of the mortgage loan in Luxembourg. This insurance protects the spouse, the family or the bank in the event of death before the repayment of the loan. The insured capital is degressive, that is to say, it follows the repayment curve of the loan.
The Outstanding Balance policyholder can choose to take out insurance alone or with a second policyholder.
This insurance covers the insured in the event of death. Additional guarantees can be taken out and extend to total or partial disability.
The payment of the premium can be made in several ways:
The pension system in Luxembourg is currently under pressure and social security will soon be confronted with the aging of the population and a whole series of consequences. The extension of this possibility of saving to the self-employed and liberal professions is one of the reforms introduced by the Government in order to make taxpayers aware of building up additional retirement savings.
As for employees, the law provides for the self-employed and liberal professions to benefit from tax advantages.
The premium paid by the member and assigned to the financing of the Retirement Plan is tax deductible up to 20% of the annual taxable income.
A discharge tax is to be paid on each premium but in return no tax on exit !
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