Insurance plans R-Pension & R-Vie Pension| Raiffeisen

Raiffeisen offers R-Pension & R-Vie Pension so you can look forward to retirement with full peace-of-mind. R-Pension is open to anyone aged 18 to 65 and is a supplementary savings scheme for your retirement, offering very welcome tax incentives applicable immediately.

Article 111bis of the amended law on income tax provides for annual income tax deductions. The upper limit for tax deductibility is EUR3,200 per year, regardless of the taxpayer’s age.

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The table below gives an indication of the maximum total tax impact according to marginal tax rate.

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Marginal tax rate
22%	32%	39%
+/- 720 EUR	+/- 1,035 EUR	+/- 1,235 EUR

N.B. Example calculation: maximum annual tax impact

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Examples on the basis of the INCOME TAX BRACKETS applicable as from the 2017 tax year:

Marginal tax rate 22%

Single person with annual income of +/- 30,000 EUR
Married couple with annual income of +/- 60,000 EUR

Marginal tax rate 32%

Single person with annual income of +/- 39,000 EUR
Married couple with annual income of +/- 78,000 EUR

Marginal tax rate 39%

Single person with annual income of +/- 48,000 EUR
Married couple with annual income of +/- 96,000 EUR

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Submitted by Jill on Tue, 07/18/2017 - 15:43

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For maximum flexibility, Banque Raiffeisen offers you 2 alternatives according to your wishes and needs

R-Pension :

Invest regularly the amount of your choice in one of the sub-funds of the investment fund (SICAV) LUX-PENSION, which reflects the performance of financial markets. Under these conditions, neither the return, nor the capital can be guaranteed.

Learn more about SICAVs

R-Vie Pension (in collaboration with our partner Foyer-vie): :

Build up your savings capital through regular payments into the Foyer Group's CapitalatWork funds.
Support companies that take a responsible approach by choosing two responsible funds: ESG Equities and ESG Bonds.

Capital guaranteed up to 50%

Your investments can be split between variable capital and capital protected vehicles (up to a limit of 50%) depending on your financial ambitions and your risk tolerance level.

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Terms and conditions

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The maximum tax deduction is €3,200 per taxpayer
The minimum term of the contract is 10 years;
The minimum subscription period is 10 years
The maturity date is no earlier than a beneficiary’s 60th birthday and no later than their 75th birthday
At maturity, the principal can either be redeemed in full at the time of retirement, or converted into a life annuity payable monthly, or a combination of both. For the R-Vie Pension product, annual withdrawals are possible in addition to redemptions.
Premiums paid over a year may exceed the deductible limit
Life annuity payments are 50% tax free