Spuerkeess: How do I choose my S-Pension package?

With S-Pension, you can choose an investment package according to your preferences and your risk tolerance.

We offer two packages:

The Stocks package

With the Stocks package, your capital is invested in one of the subfunds of the lux|pension fund with exposure to the equity markets:

Subfunds	Maximum capital invested in equities
LUX-PENSION 100%	100 %
LUX-PENSION 75%	75 %
LUX-PENSION 50%	50 %
LUX-PENSION 25%	25 %
LUX-PENSION MARCHE MONETAIRE	0 %

The Stocks package is the right choice for those who seek maximum simplicity without having to worry about investment decisions.

The Flux package

With the Flux package, you decide how to divide your capital between the subfund LUX-PENSION 100% and the subfund LUX-PENSION MARCHE MONETAIRE.

Subfunds	Maximum capital invested in equities
LUX-PENSION 100%	100 %
LUX-PENSION MARCHE MONETAIRE	0 %

With our Flux package, you can adjust your payments depending on your expectations and the market trends that you expect to see in the following year.

When you change the subfund, future payments will be invested according to your choice, while the total savings accumulated will remain unchanged.

The Flux package is the right choice for those who want to enjoy tax benefits, while maintaining flexibility over their investment decisions.