Market‑Linked Investment Plans In Foyer Assurances S.A.

Market‑Linked Investment Plans from Foyer Assurances S.A. – Complete Guide

After exploring the investment-savings plans at Foyer Assurances, I wanted to go deeper into the more dynamic side of their offerings—market-linked investment plans. These are ideal for those of us who are comfortable taking a bit more risk in exchange for potentially better returns over time.

Foyer currently offers two key plans in this category: Smartlife and Invest4Change. I took time to study both, and here’s everything I found that can help you decide which one suits your goals.

🔹 Smartlife – Flexible Investment with Capital Protection Options

Smartlife is Foyer’s flagship market-linked investment plan. What makes this plan special is how it balances flexibility, risk levels, and capital protection—something I personally appreciate when dealing with uncertain markets.

📊 How It Works:

• You choose a risk profile that matches your goals:

  • Smartlife 25 – More conservative

  • Smartlife 50 – Balanced

  • Smartlife 75 – Dynamic

  • Smartlife 100 – Fully aggressive, maximum growth potential

• These numbers reflect the proportion of your investment that is exposed to higher-return market assets like equities.

• You also get a life insurance wrapper, which means the plan includes a death benefit and the ability to designate beneficiaries—very useful for estate planning.

🔧 Key Features:

• Flexible Contributions: You can invest via lump sum or periodic contributions.

• Long-Term Horizon: Generally suited for 8+ years. The longer you stay, the more potential for growth.

• Payout Options: Capital can be redeemed at maturity or withdrawn early (with potential fees).

• Death Cover: Your chosen beneficiary will receive the capital plus a percentage of gains if you pass away during the contract term.

💰 Tax Advantage:

• Qualifies for life insurance tax treatment in Luxembourg.

• In some cases, can be optimized for cross-border estate planning (especially useful for expats or international investors).

👤 Who It’s For:

• Individuals with medium to high risk appetite.

• People who want a flexible investment with optional protection and tax efficiency.

• Long-term planners focused on growth rather than just capital preservation.

🔹 Invest4Change – Ethical & ESG-Based Investing

This plan really caught my eye because it’s built for people who want to invest with a conscience. Invest4Change is focused on ESG funds—that means funds that are screened for Environmental, Social, and Governance criteria.

🌱 What Makes It Unique:

• All the funds in this plan follow strict sustainability guidelines. That means you're not just investing for your future—you’re also backing companies and funds that are committed to ethical business, environmental care, and good governance.

• You choose from four investor profiles, depending on your comfort level with market risk:

  • Conservative

  • Balanced

  • Dynamic

  • Aggressive

• The funds are managed and adjusted based on your risk profile and goals, giving you a hands-off but goal-oriented investment experience.

🔧 Features:

• Multi-support life insurance wrapper: Combines investment with life protection.

• Free payments & withdrawals: Very useful if you want to change strategies or need funds.

• Flexible structure: Can be adapted to long-term goals like retirement, child’s education, or legacy planning.

💰 Tax Advantage:

• Same as Smartlife, it qualifies under Luxembourg’s favorable life insurance laws.

• Capital gains are generally tax-deferred while the investment grows inside the policy.

👤 Who It’s For:

• Ethical investors who want their money to align with their values.

• Individuals interested in long-term, tax-optimized growth through sustainability.

• Anyone wanting a ready-made but personalized investment profile.

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✅ Smartlife vs. Invest4Change – Quick Comparison

Feature	Smartlife	Invest4Change
Focus	Risk-managed, growth-focused funds	ESG/Sustainable investing
Risk Profiles	25 / 50 / 75 / 100	Conservative / Balanced / Dynamic / Aggressive
Type of Funds	Mixed funds including equities, bonds	ESG-screened mutual funds
Capital Protection	Optional, varies by plan	Depends on chosen fund
Contribution Flexibility	Lump sum + regular	Lump sum + flexible withdrawals
Insurance Component	Life cover + beneficiary designation	Life insurance contract wrapper
Ideal For	Growth-focused investors	Ethical, value-driven investors

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Final Thoughts

Both Smartlife and Invest4Change show that Foyer isn’t just about traditional insurance—they’re also evolving with the times, offering investment solutions that match different mindsets and financial goals.

Personally, I see Smartlife as a good fit for someone who wants to balance growth with protection, while Invest4Change is perfect for those who want to invest consciously without compromising on returns.

As always, I recommend speaking to a licensed advisor before committing, but understanding the structure and benefits like this helped me narrow down the right approach for my own goals.