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  Investment solutions using ESG funds

  News

  Investment solutions using ESG funds: responsible savings that reflect your values

  Foyer offers investment solutions using ESG (Environment, Social, and Governance) funds so you can build a nest egg while respecting your values. Invest in funds that factor in environmental issues, social well-being, and responsible management.

  
  

  

  Foyer’s CSR commitment

  Foyer was awarded the ESR (Environmental, Social, Responsible) label in 2013, a certification issued by the National Institute for Sustainable Development and Social Responsibility (INDR). It rewards companies committed to a sustainable approach.

  Foyer also offers multi-support life insurance contracts that use ESG funds. The funds are only invested in environmentally friendly, socially responsible, and well-governed organisations.

  Supporting Team for the Planet: a collective and scientific approach

  In 2025, Foyer Vie SA is strengthening its commitment to corporate social responsibility(CSR) by becoming a shareholder of Team for the Planet via an investment made through its own funds. This initiative was led by Foyer Group employees and received full management support. However, this asset is not part of the investment solutions on offer to our clients.

  This fund brings together 130,291 citizen shareholders whose objective is to detect and deploy 100 global innovations to combat greenhouse gases. This participation showcases the Group’s desire to do more than just sell products, by becoming an active contributor in the fight against climate change.

  In 5 years and 5 months, the organisation has raised €34,498,308 and funded 13 projects. The selection process is overseen by 7,138 volunteer evaluators. Each project is studied according to 6 criteria :

  • Impact on greenhouse gases
  • Technical feasibility
  • Global replicability
  • Induced externalities
  • Disruptive character
  • Market potential

  The organisation targets 20 issues across 5 priority sectors identified by the Intergovernmental Panel on Climate Change (IPCC). Energy accounts for 34% of global emissions, industry 32%, agriculture 25%, transport 14%, and construction 6%.

  Team for the Planet acts according to 4 levers of change: zero emissions and energy efficiency, savings, and capture.

  Team for the Planet’s shares are not intended to generate a financial return. They work by issuing “climate dividends” that correspond to the equivalent CO₂ emissions avoided thanks to the projects supported.

  Our investment solutions for multiple investment profiles

  Foyer’s investment solutions offer various supports that cost from €200 per month or through a one-off payment of €10,000. They are classified under Article 8 of the SFDR Regulation 2019/2088, which means that they promote environmental and social values.

  Several allocation assets are available to meet your investment objectives:

  • The conservative profile is designed to protect capital with 75% bonds and 25% shares.
  • The balanced profile involves a 50/50 distribution of funds.
  • The growth profile is based on 75% shares and 25% bonds.
  • The aggressive investment option is 100% shares.

  These can be arbitrated depending on how your situation evolves. For thirty years, CapitalatWork Foyer Group has ensured the professional management of these funds.

  A selection of companies that meet strict criteria

  Selecting assets takes ESG criteria into account at every stage. The CapitalatWork Foyer Group applies filters to assess the eligibility of companies.

  Companies that do not comply with the United Nations Global Compact’s ten principles are excluded. These cover human rights, labour standards, the environment, and the fight against corruption.

  Harmful sectors are excluded: controversial weapons, Arctic oil exploration, tobacco production, as well as highly controversial companies. Only organisations with the strongest extra-financial performance are selected.

  The CapitalatWork Foyer Group publishes an annual report on compliance with these commitments to reassure clients that the assets selected keep their promises.

  The benefits of taking out life insurance

  Our investment products offer total flexibility: pay in and withdraw when you like, no savings withdrawal fees, tax-free capital.

  You can also choose who gets what when deciding who inherits any assets. You can choose and modify your beneficiaries free of charge. If you pass away, Foyer will pay them the sum obtained.

  Your savings will be managed by a team of experienced CapitalatWork managers. They ensure the best balance between risk and return to take advantage of financial markets’ performance.

  The three key takeaways:

  1. Foyer has investment solutions that integrate ESG funds to give added sense to your savings.
  2. There are several investment profiles designed to meet your objectives, combined with the flexibility of Luxembourg life insurance.
  3. We apply a rigorous investment methodology with sector-specific exclusion criteria and select the best companies to create a framework of trust for your projects.

  
  

  
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  ✨ New Tax Deduction Ceiling: €4,500 per year starting 2026

  News

  One of the key reforms concerns individual savings and retirement provision contracts. The new tax deduction ceiling will rise from €3,200 to €4,500 per year per taxpayer starting in 2026. ✅ This significant increase reflects the government’s commitment to encourage personal savings amid an aging population and tight budgets.

  
  

  💡 What does this mean for you?

  For each household, this measure strengthens retirement security by reducing immediate taxation and motivating additional capital building.

  
  

  Example:

  A Luxembourg resident, single, taxed at a marginal rate of 35%, invests €4,500 annually in a retirement provision contract. Result:

  👉 Taxable income reduced by €4,500

  👉 Tax savings: €1,575 (€4,500 × 35%)

  Over 10 years: €15,750 saved, plus accumulated capital!

  For a couple: double the benefit – €3,150 saved per year, €31,500 over 10 years, not counting investment returns.

  
  

  Other 2026 highlights:

  • ⏳ Gradual increase in contribution period for early retirement; legal age remains 65.

  • 📈 Contribution rate rises from 24% to 25.5%, with support measures for vulnerable groups.

  
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  🐕🐈 Dog & Cat Insurance – Happy Pet

  News

  Because pets are part of the family 🐾, Happy Pet protects your four‑legged companion and gives you true peace of mind every day.

  ✅ Coverage up to €3,500 per year

  ➡️ For treatments, hospital stays and major interventions

  ✅ No deductible

  ➡️ 100% reimbursement, no unpleasant surprises

  ✅ No upfront payments

  ➡️ Simple and stress‑free

  📍 Ready to protect your companion?

  Calculate your premium in just a few clicks or contact Agence KIRSCH – Foyer Assurances.

  📞 50 76 36‑1

  ✉️ kirsch@agencefoyer.lu

  🐾 Happy Pet – the insurance that cares for those you love.