With S-PENSION, you can choose an investment package that matches your preferences and your age.

Your S-PENSION will automatically decrease equity market exposure as you approach pension age, in order to ensure your redemptions are not reduced by temporary market volatility.

We offer two packages:

The Stocks package

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

 

Age at the beginning of the tax year Capital invested in equities
Under 45 100%
Between 45 and 49 75%
Between 50 and 54 50%
Between 55 and 74 25%
   

When you move up to the next age bracket, your capital is automatically invested in the appropriate subfund.

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 an equity subfund and a bond subfund of the lux|pension fund. You are free to choose the allocation that suits you, provided that you comply with the following legally established limits:

 

Age at the beginning of the tax year Capital invested in equities
Under 45 60%
Between 45 and 49 40%
Between 50 and 54 30%
Between 55 and 74 20%

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 move up to the next age bracket, future payments will be invested according to the limits above, 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.