The subscription fee is 1,5% for equities subfunds and 0,1% for the LUX-PENSION Money Market subfund, applied to payments made within the framework of the S-Pension contract.

A 30% discount on the subscription fee is available to customers who have signed a direct debit mandate to fund their S-Pension plan.


At Spuerkeess, there are no charges for early redemption (before the S-Pension contract reaches maturity) or for redemption at maturity. However, capital withdrawn prior to the maturity date will be taxed by the Luxembourg Direct Contributions Administration at the normal rate (see chart), except in the case of death, debilitating injury or illness.