Tax optimization

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You may benefit from substantial tax benefits by saving through life insurance policies, pensions or a home savings plan.

The legislator wishes to encourage people to build up financial reserves, so that they can protect relatives, supplement their retirement income or take steps towards the acquisition of a home.

Irrespective of your personal circumstances, Raiffeisen can offer you solutions that enable you to fully benefit from these opportunities.

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Submitted by Jill on Wed, 08/02/2017 - 09:20

Home savings policy

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Build up savings to finance your future home and deduct €672 or €1,344 per person depending on the age of the youngest adult policy-holder.

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Submitted by Jill on Wed, 08/02/2017 - 09:21

R-Pension & R-Vie Pension Insurance plans

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Save for your pension and deduct €3,200 from your taxable base regardless of your age (following amendments made to Article 111bis of the Luxembourg Income Tax Law on income from retirement savings products).

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Submitted by Jill on Wed, 08/02/2017 - 09:22

R-Junior Insurance and savings account

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Build up savings for your children and deduct €672 per member of your household.

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Submitted by Jill on Wed, 08/02/2017 - 09:23

R-Vie Protect life insurance

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Use our R-Vie Protect life insurance product to save, plan and reduce your tax burden depending on your situation.

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Overview of the tax optimisation options for each of the products described

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Product	Deductible amount
Home Savings Account*	≤ 40 years: €1,344 per member of the household > 40 years: €672 per member of the household
R-Pension/ R-Vie Pension insurance plans	€3,200 regardless of the subscriber’s age
R-Junior or R-Vie Protect insurances	€672 for each member of the household

Product

Deductible amount

Home Savings Account*

≤ 40 years: €1,344 per member of the household

> 40 years: €672 per member of the household

R-Pension/ R-Vie Pension insurance plans

€3,200 regardless of the subscriber’s age

R-Junior or R-Vie Protect insurances

€672 for each member of the household

* N.B.: The age is that of the youngest adult subscriber on 1 January of the relevant year.