Retirement & Pension Solutions at Foyer Assurances S.A. – Full Breakdown of Plans
Planning for retirement isn’t just about saving—it’s about saving smartly, with protection, tax efficiency, and peace of mind. When I explored the retirement-focused life insurance products from Foyer Assurances S.A., I found they offer well-structured plans that combine investment flexibility with life protection, all while taking full advantage of Luxembourg’s tax benefits.
In this post, I’ll walk you through their key retirement and pension solutions. The two standout offerings are Horizon and the retirement versions of Helios Invest, each tailored for long-term wealth planning.
🔹 Horizon – Foyer’s Flagship Retirement Plan
If you’re looking for a retirement-focused life insurance policy that’s both tax-deductible and investment-driven, Horizon is the plan worth considering. It’s built to help you gradually accumulate savings while also providing protection and flexibility.
📊 What It Offers:
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Supplementary Pension Plan: Designed to build up additional retirement income through regular or lump sum contributions.
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Flexible Investment Options: You can invest in a mix of funds based on your risk profile—from conservative to dynamic portfolios.
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Death Protection: Includes a basic death benefit. Your designated beneficiary will receive the value of the policy (or a guaranteed amount, if selected) in case of your passing before retirement.
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Payout Options: At retirement, you can choose:
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A one-time lump sum
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A monthly/annual annuity
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A mix of both, depending on your needs
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💼 Contribution Details:
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Eligible Age: You can start as early as 18, and contributions can continue until age 75.
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Minimum Duration: Contract must run for at least 10 years.
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Withdrawal Age: Funds can be accessed from age 60 onwards.
💰 Tax Benefits:
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One of the biggest advantages:
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You can deduct up to €3,200 per year from your taxable income under Article 111bis of Luxembourg’s income tax law.
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This applies individually—meaning if both spouses invest in Horizon, they can each deduct €3,200/year.
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👤 Who It’s For:
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Anyone planning for retirement in Luxembourg
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Employees, self-employed, or freelancers who don’t have an employer-sponsored pension
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Those who want to combine retirement savings with life insurance and tax savings
🔹 Helios Invest (Retirement Use Case)
Although Helios Invest is often seen as a savings/investment life plan, it’s also commonly used for retirement planning due to its flexibility and tax efficiency. If you don’t need a structured pension like Horizon, Helios gives you more control over investment choices and contribution styles.
🛠 How It Works:
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You invest monthly or via lump sum into a unit-linked policy.
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Choose your own investment strategy (funds, discretionary mandates, or even real estate).
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Can be set up with retirement in mind, including scheduled withdrawals after a certain age.
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The plan includes a death benefit, which ensures your family or chosen beneficiary is protected.
💰 Tax Perspective:
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Contributions up to €672 per person per year are tax-deductible under Article 111bis—not as high as Horizon, but still useful.
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Also ideal for spreading out long-term capital growth in a tax-efficient manner.
👤 Who It’s For:
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Savers who want more investment control
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People with other retirement plans looking to diversify
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Those wanting flexibility in payout without being locked into annuities
✅ Horizon vs. Helios (Retirement Strategy)
| Feature | Horizon | Helios Invest (Retirement Use) |
|---|---|---|
| Purpose | Pure retirement income planning | Retirement + long-term wealth building |
| Tax Deduction | Up to €3,200/year (Article 111bis) | Up to €672/year/person |
| Investment Options | Balanced/modular funds | Wide range: funds, mandates, real estate |
| Payout Options | Lump sum or annuity at retirement | Withdrawals anytime post-minimum term |
| Contract Length | Min. 10 years, max. till age 75 | Flexible (can adapt to retirement timeline) |
| Risk Profile Options | Predefined strategies | Fully customizable risk profiles |
| Ideal For | Focused retirement savers | Independent investors & flexible planners |
💡 My Thoughts
Both Horizon and Helios Invest are great tools for long-term planning. If you're strictly focused on building a retirement pension with maximum tax deduction and long-term stability, Horizon is the better option.
But if you're like me and prefer more flexibility, personalized investment strategies, and not being tied down to fixed pension rules, Helios Invest serves that purpose—while still giving you the basic life insurance and tax benefit features.
🛡 Why Foyer Assurances for Retirement Planning?
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✅ Strong regulatory environment (Luxembourg life insurance laws are some of the safest in Europe)
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✅ Tax-efficient contributions and payout structures
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✅ Wealth protection and legacy planning built-in
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✅ Multiple investment profiles for every kind of saver
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