Spuerkeess - Your Bridge to Life

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Why Sophie should start her retirement planning today: The workday is over. Sophie is sitting in her living room, laptop closed, tasks completed. Her daughter Lily is already asleep and her husband Marc is at basketball practice. For the first time in a long while, Sophie can enjoy a moment just for herself. She picks up her smartphone and scrolls through the news. Suddenly, a headline catches her eye: “In 2026, contribute more to your retirement plan and enjoy tax benefits in 2027!” Sophie frowns. What does that mean for me? She has often thought about securing her future but kept postponing the decision. One thing is clear: when she retires, Sophie wants a life free of stress and full of comfort.

Sophie and Marc had been talking about it for months. Between two coffees and a few scrolls through their favourite property app, they dreamed of a light-filled living room, a kitchen where Marc could finally test his recipes without bumping into the fridge… and a balcony for Sophie – because plants are simply a must.

In this extract from the podcast “Evergreens by Spuerkeess”, we give the floor to Nick Huberty (Investment Portfolio Manager – Spuerkeess), Julien Ensch (Head of Client Relationship Management – Spuerkeess) and Julien Kohn (Investment Portfolio Manager – Spuerkeess) to look back on an eventful 2025. Between technological shocks, geopolitical tensions and monetary volatility, which trends truly shaped the markets? Discover their insights in this article.

In a context where rents are rising and interest rates are evolving, becoming a homeowner can offer much more than just a roof over your head. It’s a strategic choice—both personal and financial. In this article, we present the main advantages of buying real estate in both the short and long term, while also exploring the reasons why renting can make sense and when it might be the right time to take the step toward homeownership. Discover why buying a property can be a smart decision for your financial and personal future!

While the Autofestival is being prepared in the various car dealerships and garages in Luxembourg, Sophie and Marc are asking themselves 1001 questions! Which car should you buy with a child and a dog? Is it better to buy or to lease? All they know is that they need a second car, and for the rest of their questions, they count on Autofestival to answer them.

Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time. That was, however, already 18 years ago. Time really does fly! The only thing that matters for him right now is to pass his driving licence and buy his first car.

Halfway through our careers, we look back and wonder why we didn’t think about the future sooner. Did you know that even as a non-resident, you can take out a supplementary pension, with all its benefits? Why is the S-Pension private pension scheme the right choice at this stage in your life?

Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury shopping, or simply put the money away in your savings account, however you do have other options to put your savings to work for you by carefully investing it. For beginners investors: in this article we present three approaches for you to flawlessly invest your savings.

Completing studies: check. Finding the first job: check. Having a head full of plans reminds you that you have your whole life ahead of you to achieve them, because you’re young. However, this is precisely why we need to talk to you about your retirement. Retirement may still seem a long way away to you, but read this article to understand why now is the right time to think about it!

In this short extract from the Evergreens by Spuerkeess podcast, we give the floor to Alexandra Kugener, housing advisor at Spuerkeess. She explains how advisors support customers in their energy renovation projects by combining financial expertise with knowledge of available subsidies.

In this extract from the podcast Evergreens by Spuerkeess, we give the floor to Michel Marx, Team Manager Retail Banking. He explains why the Bank plays a key role in energy renovation and how it adapts its solutions to support its customers.