Would you like to secure additional income for your retirement years?
With OptiPension+ pension insurance by Cardif Lux Vie, you save regularly under a long-term plan, while also saving on tax. Start thinking about your retirement plan today.
A range of investment options
Combine security and performance in the same policy, thanks to two “mix and match” insurance solutions:
- an option with a guaranteed minimum rate with potential profit-sharing (depending on Cardif Lux Vie’s results);
- an option under which savings are invested in a selection of funds (Internal Collective Funds) according to your investor profile, and in accordance with statutory investment limits.
You can choose to pay your premiums on a monthly, quarterly or annual basis.
A flexible solution for your retirement savings income
You must hold the policy for at least 10 years. Once you turn 60, you can choose to have your savings paid out as a lump sum. If you accessare a Luxembourg tax resident or equivalent, you’ll benefit from favourable policy termination conditions, and your capital will only be taxed at half the overall income tax rate in force on the day you terminate the policy.
You may also decide to receive all or part of the amount as a monthly annuity, tax-free up to 50%.
Instant tax benefits
You can deduct up to EUR 3,200 from your tax base per taxpayer per year, no matter what your age.
Protect your loved ones
In the event of death, the savings accrue to your designated beneficiary.