How do I choose my S-Pension strategy?

Your choice will mainly depend on your investment horizon and risk tolerance. The guidance below does not constitute investment advice. Subfunds Maximum capital invested in equities Risk profile Investment horizon LUX-PENSION 100% 100% equities. For investors seeking maximum performance potential and willing to accept the associated risks. Aggressive Long LUX-PENSION 75% 75% equities, 25% bonds. For investors who accept fluctuations in exchange for high performance potential. Aggressive Long LUX-PENSION 50% 50% equities, 50% bonds. For investors seeking a balance between security and return. Moderate Medium to long LUX-PENSION 25% 25% equities, 75% bonds. For investors seeking some growth potential while remaining cautious. Cautious Short to medium LUX-PENSION MARCHE MONETAIRE 0 % equities, 100% bonds. For cautious investors who prioritise security and are willing to accept a limited return. Cautious Short

As a non-resident, can I subscribe to an S-Pension contract?

Yes, provided that you are considered a Luxembourg resident for tax purposes. If more than 90% of your income (or 50% for Belgian residents) is earned in Luxembourg, you are entitled to the same deductions and allowances as any resident taxpayer.

What are the terms of redemption once the S-Pension contract reaches maturity?

When the contract matures, you will receive full repayment of the accumulated capital, plus any returns. This capital repayment under the S-Pension contract is subject to taxation at half the overall rate. For most customers, it is recommended to defer repayment until retirement, as their tax rate will then be lower than at the end of their career.

Spuerkeess: S-Pension

You can pay into your S-Pension contract by direct debit or make regular or one-off payments. There is no obligation to make annual payments.

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Your exact tax impact depends on the term of the contract, your taxable income and the composition of your household.

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Your payments are invested in the Spuerkeess LUX-PENSION SICAV, which has several sub-funds, allowing you to opt for the investment policy of your choice.

Simulate the return on your S-Pension on S-Net.

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From the age of 60 and after a minimum contract term of 10 years, you can recover the accumulated capital, including the returns generated during the term of the contract.

The full amount is paid to you in a single lump sum, with favourable tax treatment: taxation at half the overall rate, i.e., half your average tax rate.

You can simulate, subscribe and check your S-Pension scheme directly in S-Net and S-Net Mobile.

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Your choice will mainly depend on your investment horizon and risk tolerance.

The guidance below does not constitute investment advice.

Subfunds	Maximum capital invested in equities	Risk profile	Investment horizon
LUX-PENSION 100%	100% equities. For investors seeking maximum performance potential and willing to accept the associated risks.	Aggressive	Long
LUX-PENSION 75%	75% equities, 25% bonds. For investors who accept fluctuations in exchange for high performance potential.	Aggressive	Long
LUX-PENSION 50%	50% equities, 50% bonds. For investors seeking a balance between security and return.	Moderate	Medium to long
LUX-PENSION 25%	25% equities, 75% bonds. For investors seeking some growth potential while remaining cautious.	Cautious	Short to medium
LUX-PENSION MARCHE MONETAIRE	0 % equities, 100% bonds. For cautious investors who prioritise security and are willing to accept a limited return.	Cautious	Short

Yes, provided that you are considered a Luxembourg resident for tax purposes. If more than 90% of your income (or 50% for Belgian residents) is earned in Luxembourg, you are entitled to the same deductions and allowances as any resident taxpayer.
When the contract matures, you will receive full repayment of the accumulated capital, plus any returns. This capital repayment under the S-Pension contract is subject to taxation at half the overall rate. For most customers, it is recommended to defer repayment until retirement, as their tax rate will then be lower than at the end of their career.

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