The yellow brick road: follow your dream
After immigrating to Luxembourg at the age of six with her parents, Charlotte Reuter's studies focused on literature and philosophy. Later, after a few…
Welcome to Spuerkeess’s finance blog. From credit cards, loans, home buying to investing, our blog provides regular content to keep you in the know!
After immigrating to Luxembourg at the age of six with her parents, Charlotte Reuter's studies focused on literature and philosophy. Later, after a few…
Greenhouse gas emissions decreased in 2020 due to the disruptions of economic activity, travel, and commerce brought about by the COVID-19 pandemic. What can…
During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card…
Cigarette butts are a toxic plastic pollutant. In fact, cigarette butts are the most common type of litter collected on beaches. We spoke to Stéphane Hérard,…
Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck…
The manufacturing process of the linear economy counts for half of the emissions around the world. The extraction of resources also leads to other problems…
You’re starting to feel more and more comfortable with the idea of investing and now would like to understand what it means to invest in “green”. Well, we will…
Having invested in securities, you want to make sure you have made the right choices. To that end, it is for instance vital to keep informed of the latest…
Artificial intelligence (AI) tries to mimic human thought and integrate it into computers. When will AI be truly human and how should we respond? To answer…
Now that you have an understanding of investment funds and equities, you just need to know what bonds are, to complete your basic knowledge. You may have…
In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…
Tick-tock, tick-tock... the tax return deadline is approaching and Marc has not yet completed his. He is not particularly worried this year, though, because…
You've done it! Your securities portfolio has been opened and you have set your investment amount. Welcome to the stock exchange! You may feel a little…
Investment funds, also known as "mutual funds" or "undertakings for collective investments (UCI)", are investment products created to allow…
Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s…
Do you want to invest but do not know where to start? It would be true to say it is not the simple matter it might first appear, and that is why it is…
In Luxembourg, temperatures have risen by 1.3 degrees since 1832. According to weather experts, drought and heavy rain will also increase in Luxembourg.…
Enovos is installing numerous photovoltaic power plants in the country in response to a call for tenders issued by the State. In addition to the rooftop…
After a burnout, Marc Plata undertook a training course in sophrology which, in the end, led him to the world of entrepreneurship two years later. What were…
Are you able to put aside a little money at the end of each month? Have you ever asked yourself how you could put that extra money to work, to increase its…
So you have decided to do something for your savings by investing some of your money? Congratulations! To get started in the Stock Market and build investment…
Is your home a smart home? Welcome to the Internet of Things (IoT). All around the world, billions of physical devices are now connected to the internet. That…
Holding a portfolio consisting of financial assets, and then having to sell it in part or in full in order to have access to cash on an ad hoc basis, can lead…
Are you between 18 and 30? Are you going to school, to university or hoping to do an apprenticeship? Take advantage of your student life without hassle or bank…
When Shauna and her husband moved into their flat in Bonnevoie, they didn’t have children and swore by public transport. But as their family has grown, they…
For Sophie and Marc, 2021 wasn’t exactly a typical year. The COVID-19 health crisis caused them to change their habits and made them more sensitive to…
The difference between owning and leasing a car is solely based on the means to achieve one same goal: to get you your dream car!
“Who in their right mind would want to lease a car?”, “It’s more expensive than buying and you don’t even own the car”, “There are always hidden costs”, “It’s…
While the Autofestival is being prepared in the various car dealerships and garages in Luxembourg, Sophie and Marc are asking themselves 1001 questions! Which…
After ten years with an advertiser, Marie-Caroline Dumas decided to create her own digital marketing and communication agency and thus became an entrepreneur.…
With "Energy Contracting", LuxEnergie offers tailor-made, turnkey energy solutions that include not only the construction and financing of energy…
According to the World Economic Forum's Global Gender Gap Report 2021, at least one more generation of women will have to wait for gender equality. Dr.…
The world has become digital and cybercrime is on the rise. Failure of companies’ technological defences entail both financial loss and damage to the…
Alice Tiberio left her native Italy 11 years ago to discover new cultures. She lived in Canada, the USA and moved to Luxembourg to start her business. Whether…
Global warming is a challenge that concerns us all and the economic system plays an important role in the battle against climate change. Thus, the University…
Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and…
After living in Sweden and Holland, Francesca Pogliani, of Italian origin, has settled in Luxembourg. Employed full time in a Big Four company, she spends the…
The word “FinTech” entered the dictionary in 2018 but what exactly is FinTech and how does it affect banking? We spoke to Dr. Zsofia Kräussl who is Research…
Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her…
ESG topics pose new and complex challenges that were previously largely outside the remit of financial institutions. They require targeted scientific expertise…
For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to…
After 15 years of professional experience in the financial sector, Christelle Dewaele trained in kinesiology and switched to the world of entrepreneurship.…
How environmentally friendly is the electric car? Dr. Félix Urbain, senior innovation consultant at Nordic Innovators P/S, knows the answer.
Is it possible to create nourishing self-care products for body and soul while protecting the planet? This question has been at the heart of how Tree.to.Skin…
On a global level, cities are heating up. This is due to the increasing mass of concrete, steel, asphalt and car exhaust, which adds to the effects of global…
Summer is not over yet and we are already anticipating autumn, the season during which nature can be seen in its full splendour when leaves are turning all…
Sophie is intrigued by Marc’s new hobby and would really like to understand why he is spending so much time on his smartphone scrolling through the news about…
This year Spuerkeess is participating in the 39th Stock Market Learning competition, a realistic stock market simulation contest and the only one of its kind…
The holidays may already seem a long time ago, but the university year has only just started. Wasn’t it great to be able to switch off your alarm, spend time…
Climate change is the biggest challenge we face. The younger generation will inherit environmental problems that we already know how to solve if we are…
A few weeks ago, you took a trip with your family to the countryside and came across a magnificent little house for sale. Since then, nobody can stop talking…
Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five…
Going to highschool means that your child will have more freedom but also more responsibilities. To make this change easier for you and safer for your child,…
From cans, coffee capsules and aluminium to plastic; supermarket shelves are piled with packaged products, while online retailers support a global packaging…
At home in his flat in Paris, Sam feels lucky compared with other students at the Sorbonne University, where he is in his first year studying law. Sam can walk…
Last year, Mum and Dad didn't want to go away on holiday because of the pandemic, which was still ongoing. This year they've booked two weeks at an…
The pandemic has restructured and changed our habits and the way we live and work. With COVID-19, our homes have become more important than ever.
It has been 25 years since Spuerkeess and etika introduced an ethical savings account which, until recently, was Luxembourg’s only sustainable banking product.…
Sophie and Marc had already chosen their new car and worked out how they were going to finance it. But as sometimes happens, they had to revise their strategy…
Wealth management needs to meet numerous objectives and it can be complicated to strike the right balance between these goals and the enhancement of your…
Owned equally by SEO and Enovos, Soler has been active in renewable energy since 2001. Mr. Paul Zeimet, Administrateur-Délégué, was kind enough to tell us more…
Nathalie Roth is senior advisor for climate finance, environmental and international carbon markets, valuation of climate change impacts and sustainable…
Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc…
Are you ready to face the post-high school transition? Or do you feel discouraged by the seemingly unaffordable cost of student life? Between housing and…
Photovoltaic panels have been installed on the roof of a covered carport at the House of BioHealth in Esch. They are connected directly to the grid and thus…
From checking facts, documenting and optimising our environmental efforts to getting our sustainable message out to the world - our common goal is to advance…
The high real estate prices are a direct consequence of the imbalance between supply and demand for housing in our country. But how did this imbalance occur?…
Craft et Compagnie specialises in the sale of exceptional artisan champagnes in Luxembourg. Its mission is to promote talented winemakers at the forefront of a…
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…
For the past two years Spuerkeess has worked with a science and sustainability advisor who has helped us conduct our own research and develop tools that help…
Marc is fascinated by all the technology surrounding him and believes that the possibilities for human beings to expand their knowledge are limitless. Who…
Did you know that all the info is now available free of charge for all students? No, it’s not a late April Fool’s Day joke! The two newspapers Tageblatt and Le…
For Spuerkeess, this calls for celebration as well as a retrospective on what has made S-Net such a success story. For customers, this is the time to take…
A different way of networking! Archi Box is a more fun alternative to traditional trade shows, especially during the current pandemic, in which digital events…
When you become a parent, you worry about the well-being of your children. This is also true for their finances! By putting away a sum you are giving them an…
Téisty is about more than just organic products. First and foremost, it is about putting into practice, on a daily basis, a philosophy for life that is centred…
Banks are introducing a new standard for interbank payments: Instant Payments.
In the office the other day, Marc’s colleagues were talking about Bretzelsonndeg, which is just around the corner. Marc had completely forgotten about it, so…
Reducing the use of plastic, taking public transport, buying second hand, eating local...the list of small actions that can improve our consumption habits has…
As Sophie sits in her car waiting for the stoplight to turn green, she suddenly begins to daydream, imagining all the things she will be able to do once she…
Has a little tune suddenly started going round in your head as Valentine’s Day approaches... “Love is in the air, everywhere I look around ...”? Has your…
"It’s a fact that most of our customers open a savings account for their children at birth. And being a young father myself, I perfectly understand that…
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, but…
Wherever you decide to study, you are automatically entitled to a student grant as well as a student loan! If you are wondering what the next steps are and how…
As of late, you can receive new subsidies on purchasing certain electric vehicles or vehicles with low CO₂ emissions. We have responded by adapting our special…
Educating children about goal-based savings means teaching them about the value of money and the benefits of savings. Whether it’s for a specific toy, some…
Aykut Efe, Economist at Spuerkeess Asset Management, discusses the potential impacts of quantitative easing on the real economy in the long term.
Alongside five other Luxembourg banks, Spuerkeess is providing financial support to its professional clients, particularly to those who are facing a lack of…
Dr Yves Wagner, Executive Vice President of BCEE Asset Management (now Spuerkeess Asset Management), discusses the context in which the asset management…
Usually, things tend to break or disappear at the most inconvenient time. Which is exactly what happened to Marc during the pandemic: his LuxTrust token has…
You are an expatriate in Luxembourg and you need a car? Lease Plus is the perfect leasing solution ... not only for expats!
New job opportunities can equal new challenges, moving abroad being only one of them. Sophie and Marc met Shauna while visiting the USA and they have stayed in…
Since the 2008 financial crisis and the implementation of non-conventional monetary policies around the world, bond yields have fallen significantly. The US…
Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate amid the coronavirus pandemic.
Frank Fischer, Head of Spuerkeess Direct, explains the concept of Spuerkeess Direct, the branch available from 7.00 am to 7.00 pm Monday to Friday to carry out…
As a result of the spread of the COVID-19 virus, Marc is working from home and Sophie has taken leave for family reasons in order to take care of their…
In an increasingly complex environment, the digital automated investment product Speedinvest has proven to be the ideal investment.
Since February, as COVID-19 has rippled across the globe, there has been a widespread sell-off in the financial markets, combined with a literal explosion of…
Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate amid the coronavirus pandemic.
LONDON/LUXEMBOURG 19/03/2020: BCEE Asset Management S.A., an independent Luxemburgish asset manager, joins the Climate Bonds Initiative Partners’ Program,…
The portfolios managed by Spuerkeess under the ActivMandate discretionary management service have proven fairly resistant to the recent high price volatility…
Lisa Wells, Head of Marketing, talks about the “Spuerkeess” brand in 2020: As part of the internal renewing process in recent years, we have worked on…
Carole Schwartz and Pierre Reuter from the Spuerkeess Marketing give us a short insight into the internal changes related to the new Corporate Identity (CI).
Raoul Loudvig, head of the “Graphic Design” division inside the Spuerkeess Marketing department, gives us an insight into the graphical design world of…
Digitalisation is now omnipresent and inescapable. The labour market has undergone significant changes, a process magnified by robotisation and artificial…
Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), discusses the economic and financial environment at the start of 2020 and…
NEOFACTO has been assisting companies with their digitalisation since 2000 in Luxembourg, navigating its way between the creativity of start-ups and the…
Simône van Schouwenburg, Head of Expat Services at Spuerkeess gives you a unique insight into the experiences she has made. Advantages, challenges and tips…
Are you looking for a more spacious car to accommodate your growing family? Or perhaps you’re after a particular model, and want to get a good deal? Whatever…
The New Year has long begun but you seem to have forgotten all about your good resolutions? Don't worry! In order to refresh your memory, here are five…
With a new year come new resolutions! But don’t wait too long to make a start on your resolutions where personal finance is concerned. After Christmas and the…
Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked…
Search, visit, purchase, move ... The world of real estate, and especially the search for the right property, is not always easy. This is the reality that…
On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset…
We all have had situations like these: you leave the house in the morning, your thoughts are all over the place. The baby didn’t sleep all night, the dog kept…
Marc Fohr, Head of Investments at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate.
Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that…
Like most kids these days, Sophie’s niece Emma has grown up with mobile phones and ipads. Fully at ease with the new technologies, she’s very interested in all…
OUNI is an abbreviation for “Organic Unpackaged Natural Ingredients” and means “without” in Luxembourgish. It is the first packaging-free, organic grocery…
Outsourcing sales is becoming more and more popular, especially for startups and small companies that do not have the means to hire their own sales people. SOS…
This is the motto at Supermiro (the personal assistant that handles your free time) and now Helloboss (which takes care of your professional schedule and your…
Carlo Stronck, Director, and Loïc Chaulacel, Portfolio Manager specialising in responsible investment at BCEE Asset Management (now Spuerkeess Asset…
Summer time is over and school is starting again, but this year, you’re up for university, which means new challenges, new responsibilities and new…
“Aruba, Jamaica, oh I want to take ya, Bermuda, Bahama, come on pretty mama…” Ok, so Sophie and Marc aren’t off to the Jamaica the Beach Boys were singing…
Marc Fohr, Head of Investments, and Aykut Efe, economist, discuss the election of Boris Johnson after the resignation of Theresa May.
If until now you could already change the limit of your credit cards via the S-Net app, it now allows you to manage even more payment settings!
Every Wednesday, William Telkes, Spuerkeess' Chief Economist, comments on financial news from around the world, on RTL Radio Lëtzebuerg.
Marc Fohr, Head of Investments at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate.
After three years spent tightening its monetary policy (from December 2015 to December 2018), the United States Federal Reserve put the process on hold at the…
This month, the overhauled S-Net mobile app celebrates its fourth birthday! If today, we can no longer imagine a world without mobile phones or applications,…
You've probably heard of residual debt insurance. But what does it mean and do you need it?
KidsBox is a new way to consume products using a circular economy approach. Designed for parents and children aged 0 to 6, the service aims to reduce our…
Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you…
This is 21st century style according to BLANLAC, a Luxembourg start-up that draws on Italian excellence to combine quality, beauty, craftsmanship, sustainable…
Marc Fohr, Head of Investments at BCEE Asset Management (now Spuerkeess Asset Management), discusses current financial market news.
Ruth Gallery is a contemporary art gallery that aims to showcase different cultures from all over the world. Having presented the pop art universe a few months…
Ever since Sophie got pregnant, Marc has started cooking larger meals for his darling, and for himself as well. As a result, it's hard to tell which one…
At the beginning of February, Sophie’s parents received a letter from the Luxembourg Direct Tax Authority (Administration des Contributions Directes, ACD),…
Isn’t love wonderful! We fall in love and enter into a civil partnership but what happens if one of the partners dies? Here’s all you need to know!
It’s difficult to know how much pocket money to give to children. But one thing is for sure: managing a budget will help them learn the value of money and…
Nyuko, a challenger of ideas, is repositioning and has signed a partnership with Spuerkeess. This will enable nyuko to supervise project leaders even better…
Are you entitled to a tax refund? Discover if your situation calls for an annual statement!
Marc Fohr, Head of Investments at BCEE Asset Management (now Spuerkeess Asset Management), discusses current financial market news.
Close your eyes. You are driving along winding roads under the hot Tuscan sun in an Aston Martin DB5. OK. So you're not James Bond, but you're…
Marc Fohr, Head of Investments at BCEE Asset Management (now Spuerkeess Asset Management), takes a look at economic trends in Japan and the challenges the…
You've found your dream house, and all you have to do now is take out a housing loan with your bank. You're wondering whether to go for a fixed or…
On Tuesday15 January, the UK Parliament is to express its final position on the adoption or rejection of the new withdrawal agreement negotiated between Prime…
In light of the recent economic environment and the arrival of MiFID II, which further regulates investment advice and portfolio management, clients have…
This year, treat yourself to a gift that will keep on giving!
Lease Plus makes your life easier! Consider these 3 reasons why you should lease your car.
Considering transparent and socially responsible investment? Ekkehart Schmidt, public relations officer at etika – Initiativ fir Alternativ Finanzéierung asbl,…
Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but…
The Garage Schmitz in Mersch has been a BMW dealership since 1968. Since its takeover by the Cloppenburg group in May 2008, it has evolved considerably in…
Marc Fohr, Head of Investments at BCEE Asset Management (now Spuerkeess Asset Management), discusses the financial markets.
Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) has announced it is taking part in the “InnovFin” programme, with a budget of 40 million euros.…
Global equities markets fell significantly in early October. They have remained very volatile since then. In fact, this phenomenon raises very serious investor…
Autumn started today and you have probably already noticed the fresh autumn colors in all the furniture shops. This is the perfect time to check on the…
First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a…
It's the end of the month: Sophie and her friends are meeting for a cocktail at their favourite bar. Expenses come up in conversation and everyone wonders…
Here's a couple of good reasons why you could use the Mastercard Miles & More Luxair!
Now that Sophie and Marc are civil partners, they decided to open a joint current account in order to tackle everyday expenses. Note, everyday expenses relate…
One fine summer day, Sophie and Marc met in the hallway of the company they worked in. Their eyes met and very quickly, their friendship turned into love...…
In a society marked by digitalisation, consumers’ behaviour and their expectations regarding retail outlets have changed considerably. This trend is affecting…
In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when…
Discover how you can take advantage of the financial markets by investing small amounts, starting from age 18!
Spuerkeess is aware that the ongoing price increases put pressure on customers who want to purchase real estate, whether for their own needs or as a rental…
It all began with the Spuerkeess’ statutory mission of promoting saving in all its forms within the population of the Grand Duchy of Luxembourg. As a result,…
Next year, Sophie and Marc are planning to go on holiday to Japan. This will be quite an expensive trip, and the young couple will have to plan their expenses…
As the leading bank in the Luxembourg financial market, Spuerkeess has launched MIA, a personal financial management (PFM) tool, free of charge, destined to…
Beyond its financial aspect, the bitcoin has become a social issue. Not a day goes by without the topic being discussed, for better or for worse, by a variety…
If you have just finished your studies or started your professional life, you are probably not thinking about saving money. And even less about saving to buy a…
Sophie's niece Emma is too old now for the traditional Easter egg hunt. Instead, she prefers reading her anatomy books because one day, she wants to be a…
In need of tips or advice on financial matters? Well then, you might like our new blog! Luc Sinner, Deputy Head of Business Unit Marketing at Spuerkeess told…
Charles Pletsch, deputy head of Spuerkeess’s Coordination du Réseau des Agences, talks about the bridge loan, a short-term loan that can ease the transition…
Electric cars, classic or plug-in hybrids: what is the real demand for this type of vehicle and what role do the tax rebates play in this context? During the…