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:
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 | maximum 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.
With the Flux package, you decide how to divide your capital between the subfund lux|pension 100% and the subfund lux|pension Marché monétaire. 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 | Maximum 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.
