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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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  How can you ensure you are well prepared for retiremement

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  How can you ensure you are well prepared for your retirement?

  What will your income be once you’ve retired? Not many people can answer this question, but it’s an important one. Retirement can be a good and long period of your life. According to statistics, the average loss in income is 25%. You may feel this decrease might restrict your choices in life, particularly at a time when you have more time and spend more. So what is the solution? In Luxembourg you can profit from the latest tax initiatives which allow you to save for the future (with growth) within tax efficient investment products. . It is never too late to think about your retirement to ensure you have greater financial control and remember, the earlier you prepare for your retirement, the more you will accumulate!

  

  Retirement age and size of your pension

  The legal pension age in Luxembourg is set at 65. To obtain the full pension, you must have contributed for 40 years, i.e. 480 months of pension insurance.

  If you have worked for 40 years, you may apply for early retirement before the age of 60.

  The minimum legal pension in Luxembourg is set at €2,244.82 gross (1st January 2024 cnap.lu). It is indexed to changes in the cost of living, and automatically increases by 2.5% when triggered by the index.

  Supplement your pension and take advantage of tax benefits

  One of the best ways of preparing for your retirement while enjoying annual tax benefits is a complementary pension within an insurance based product. This is a savings plan that bridges the gap between your current salary and your pension income.

  Your savings premiums, as well as death and disability premiums, are tax deductible.

  Discover the various retirement savings products.

  When should you claim your state pension?

  To obtain your pension in Luxembourg, you have to apply for it. You just need to fill in a simple form available on the CNAP (Caisse Nationale d’assurance pension – National Pension Insurance Fund) website.

  Needless to say, it’s best to start early to ensure that everything is in order. It takes at least three months to authorise your rights to your pension.

  Visit www.cnap.lu.

  And for cross-border workers?

  Two minimum conditions must be met to benefit from Luxembourg’s retirement scheme:

  • You must have worked for at least one full year in Luxembourg
  • You must have worked, in total, for at least ten years in European Union countries (or in other countries with a bilateral agreement with Luxembourg)

  If during the course of your career you have followed a slightly complicated path in different European countries, all is not lost. Better still, Europe has simplified everything you need to do. Just apply for your pension in your country of residence. The pension scheme concerned will then synchronise this information with the other countries’ schemes.

  
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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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  ✅ Liability Insurance: Why Is It So Important?

  News

  Liability insurance is an essential protection in everyday life. It covers damages you may cause to others – whether material, bodily, or moral. A simple accident can lead to significant financial consequences: breaking a vase at a friend’s house, knocking over a bicycle, or causing water damage to a neighbor’s home.

  
  

  🔍 What does it cover?

  • Damages caused by you, your children, or your pets.
  • Incidents related to your home or private activities.

  Without this insurance, you are personally responsible for the costs, which can amount to thousands of euros. That’s why it is often included in home insurance policies, but it’s crucial to check your coverage.

  
  

  💡 Our advice:

  Don’t take unnecessary risks. Contact Agence KIRSCH to review your coverage and find the right solution for your needs.

  📞 Call us today or click here to learn more: KIRSCH | Your Foyer insurance agent in