OptiPension+ is a flexible pension scheme, financially attractive and tax-deductible (subject to compliance with the terms and conditions of article 111bis L.I.R.)
Our OptiPension+ insurance product:
Life insurance with guaranteed return and capital as well as a share of profits (depending on results of Cardif Lux Vie
When you retire, or when you reach 60 years of age, your savings can be redeemed in the form of:
a monthly annuity (half of which is tax-exempt)
a lump sum covering 100% of the savings built up (Luxembourg residents will be taxed on this at half the overall rate)
a lump sum covering your chosen percentage of the savings and the rest paid as a monthly annuity (Luxembourg residents will be taxed on the lump sum at half the overall rate, while 50% of the annuity will be tax-exempt)
We offer a wide range of investment options, some of which are tax deductible. Find out more.