Maximise your tax benefits with S-Pension starting in 2026!

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.

Why act without delay?

Many people postpone this topic for understandable reasons: everyday life is busy. But retirement planning means security, predictability and more freedom later on. Those who start early benefit from the power of time; those who start later still gain advantages – especially tax benefits.

Starting with the 2026 tax year, the deductible limit for private retirement savings contracts will increase from EUR 3.200 to EUR 4.500 per taxable person.

Contribute more, deduct more: the new EUR 4.500 limit offers significantly greater potential for building capital and saving on taxes.

Sophie takes action

Through S-Net, she first runs a simulation and immediately sees how her contributions will impact her future capital. Convinced by the benefits of S-Pension, she signs her contract online – quickly and easily in just a few minutes.

With S-Pension, Spuerkeess offers a solution perfectly aligned with Sophie’s goals: flexible contributions, attractive returns and even more tax benefits starting this year.

I want to secure my future – and if I can save on taxes every year, even better! That’s what Sophie thinks.

S-Pension at a glance – why it makes sense

Tax deduction up to EUR 4.500 per year and taxpayer (regardless of age).
For example, contributing EUR 375 per month reaches the annual maximum.

Minimum contract term: 10 years
Final payout: Upon contract maturity, the total amount of contributions together with the returns earned will be paid out – no earlier than at the age of 60 and no later than at 75.
Tax treatment upon payout: Capital taxed at half the average income tax rate.
Flexible contributions: Monthly, quarterly, semi-annual or annual – tailored to your budget and life situation.
Investment according to your profile: Contributions are invested in the SICAV LUX-PENSION. Multiple subfunds allow a strategy suited to your risk/return profile.

Choose your S-Pension strategy:

Subfunds	Maximum capital invested in equities
LUX-PENSION 100%	100%
LUX-PENSION 75%	75%
LUX-PENSION 50%	50%
LUX-PENSION 25%	25%
LUX-PENSION MARCHÉ MONÉTAIRE	0%

Practical rules Sophie follows

Before starting, Sophie checks three key principles:

1. Maintain a liquidity reserve in her savings account for unexpected expenses.
2. Pension provision and capital market investments are designed for the medium to long term.
3. Diversification instead of “putting all eggs in one basket”.

These principles help her stay focused on her retirement plan and navigate market fluctuations with confidence.

Before & after: how the new limit makes a difference

Sophie is 38 and contributes until her 60th birthday – a 22-year term. We compare the old limit (until 2025) with the new one (starting 2026), assuming a 3% annual return:

Until 2025	From 2026
EUR 3.200/year ≈ EUR 267/month	EUR 4.500/year = EUR 375/month*
End capital after 22 years: EUR 97.718	End capital after 22 years: EUR 137.416**

The new cap gives Sophie about EUR 40.000 in additional capital for her retirement.

^{*With a monthly contribution of EUR 375, you reach the annual deductible maximum of EUR 4.500.}
^{**Example: Sophie invests EUR 4.500 per year in S-Pension. Starting age: 38, term: 22 years (until age 60), assumed annual return: 3% with yearly compounding.}
^{Note: This is a non-binding calculation example. Actual performance may differ from the assumed return. This is not a guarantee of future results.}

Act now – 2026 is your year!

Sophie has taken the first step. What about you? The sooner you start, the more you benefit from the new cap. Lay the foundation for a worry-free future today: easily via S-Net or at your branch.

For even more convenience, you can set up a direct debit like Sophie did. Everything runs automatically and you don’t have to think about a thing: your periodic contributions are seamlessly invested in the SICAV subfund you choose.

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