Is retirement still a lifetime away, just a few years down the road, or almost around the corner? With everything going on in everyday life, our golden years aren’t always at the top of our minds 👵🏻👴🏻 But thinking about them now can make ALL the difference! With easyLIFE Pension by LALUX, you can build up extra income for the future while benefiting from a tax advantage today. Want to know more?
EASYLIFE PENSION: A HELPING HAND FOR YOUR FUTURE SELF
Let’s be honest: when you’re just starting your career, retirement still seems sooo far away. You’re more likely to be thinking about your next city break, your first property purchase or what you’re going to do this weekend. And that’s perfectly normal! But when retirement comes around, your income generally decreases compared to your final salary. So why not plan ahead a little to make sure life’s little (or big) pleasures are still on the agenda when you retire?
That’s where easyLIFE Pension by LALUX comes in. This retirement savings plan allows you to gradually put money aside to build up additional income for the future 🐷 And here’s a little bonus you’ll appreciate: you can also benefit from a tax advantage every year! Your contributions are tax-deductible, up to €4,500 per year.
Curious to know how much you could save? LALUX’s tax benefit simulator helps you estimate how much tax you could save each year. A handy way to get a first idea before taking the plunge 🤩
In short, you’re planning ahead while benefiting from a tax advantage today. No need to have everything mapped out until you’re 80: the idea is simply to start thinking about it and take things at your own pace!
And if you’re wondering how much your pension could amount to when the time comes, LALUX also offers a pension simulator to help you estimate your future income based on your CCSS pension statement. No need to get your 🔮 out!
And if you work in Luxembourg but live across the border, good news: easyLIFE Pension is also available to cross-border workers, subject to the applicable conditions, of course!
CHOOSE HOW YOU WANT TO PREPARE FOR THE FUTURE
We all have different approaches to saving, which is why easyLIFE Pension offers two investment options:
SECURITY: you opt for a solution with guaranteed capital. An option to consider if protecting your capital is your top priority 💰
PERFORMANCE: you invest in investment funds with the potential for higher returns, but also a risk of loss due to market fluctuations 📈📉
In short, whether you prefer to play it safe or consider investing for the long term, you can explore the available options and choose the one that best suits your profile. And as with any investment, take the time to understand the terms and risks before making your decision!
25, 40 OR 60: WHEN IS THE RIGHT TIME TO START?
If, like Emma, you’re just starting your working life, time is your greatest ally! Starting early gives your savings more time to grow. You can also benefit from the tax advantage linked to your contributions right away, depending on your circumstances.
Already well established in your career? It’s a good opportunity to take stock of your future income and think about how you could supplement it. With easyLIFE Pension, you can build additional savings according to your profile and goals.
And if retirement is starting to feel just around the corner, don’t panic: it’s not necessarily too late! You can still take out a policy before the age of 65, with a minimum contract term of 10 years and an end date no later than your 75th birthday.
As the moral of one of La Fontaine’s famous fables reminds us, a little planning today can make tomorrow all the more enjoyable 🐜🦗
