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Build and grow your capital in Luxembourg

Foyer Lux-Assurances helps you diversify your savings while taking advantage of stock market returns and optimising the transfer of your assets.

2 investment solutions according to your rhythm and your projects

invest4change

SMARTLIFE

An investment plan that respects your values.

SMARTLIFE 25

Capital protection

25% in units of account

-75% guaranteed rate

SMARTLIFE 50

Balance between growth and security

50% unit-linked

50% guaranteed rate

SMARTLIFE 75

Attractive return prospects

75% unit-linked

25% guaranteed rate

SMARTLIFE 100

Long-term growth

100% unit-linked

Several accessible unit-linked products

To enable you to invest according to your risk profile and investment horizon, and to benefit from attractive return prospects, you also have a choice of different funds.

invest4change

A socially responsible investment strategy

The long-term philosophy of CapitalatWork Foyer Group is complemented by this investment methodology: It supports companies that are active in sustainable development.

 

 

It is based on 3 pillars:

The integration of ESG criteria related to the Environment, Society and Corporate Governance, at the time of the investment process.

 

Constant relations with our clients for transparent investments.

 

Ensuring the fairest representation of your interests through our investments.

smartlife foyer
All about smartlife

Arbitration is possible if you wish to change the allocation of your investments.

In the event of death before the end of the contract, Foyer Lux-Assurances pays the sum obtained on the date of death to the beneficiaries of your choice.

Your benefits

Passing on your assets

The beneficiaries of your smartlife contract are freely designated in the event of death.

Safe and secure management

A team of experienced asset managers will manage your savings with the aim of achieving the best possible balance between risk and return while allowing you to benefit from the performance of the financial markets.

Attractive return prospects

Smart invest life and invest4change, two plans with the possibility of developing your savings through its various guaranteed rate or variable capital supports to meet your expectations.

Maximum protection for your savings

In Luxembourg, if the insurance company runs into difficulties, your assets are optimally protected because your money is kept in a separate account from theirs.

Availability of your money

Your savings are available at any time, so they are liquid savings.

Savings not taxed on exit

The capital payable at the end of the contract is not subject to taxation.

Home Customer Area

From your MyFoyer online customer area, you have direct access to your contracts, can request certificates for the tax authorities or simply update your personal data.

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