Retirement is a major concern for residents and cross-border workers in Luxembourg. In response to population ageing, increasing life expectancy and growing pressure on public finances, the Luxembourg pension system has entered a significant phase of transformation. A structural reform came into force on 1 January 2026, introducing notable changes to the retirement age, contribution rates and, above all, tax incentives for retirement savings.

In Luxembourg, retirement is based on a model structured around three complementary pillars. This system aims to provide residents with a...

When you're just starting out in your career, thinking about retirement often seems remote, even pointless. Yet anticipating this event...