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Tax Optimisation
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When reducing your taxes becomes easier...

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Solutions that suit your needs, whatever your situation.

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You can benefit from attractive tax advantages by saving through a life insurance policy, a pension plan, or a home savings account.

These savings options are encouraged by law to help you build a financial cushion, protect your loved ones, supplement your retirement, or prepare for the purchase of your future home.

Whatever your situation, Banque Raiffeisen offers tailored solutions to help you make the most of these benefits. Learn more.

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Home savings account
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Put money aside so you can buy a house later on and deduct €672 or €1,344 per person from your tax bill, depending on the age of the youngest saver.

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R-Pension & R-Vie Pension insurance plans
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Save for your pension and deduct €3,200 from your taxes per year and regardless of the taxpayer's age (following the amendments to article 111bis L.I.R. on pension savings).

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R-Junior insurance and savings account
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Put money aside for your children and deduct €672 per person in your household.

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R-Vie Protect 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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An overview of the possibilities for tax optimisation with the products on offer

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Product Deductible amount
Home savings account*

≤ 40 years of age: €1,344 per person in the household

> 40 years of age: €672 per person in the household

R-Pension/R-Vie Pension insurance plans 

€3,200 per year and regardless of the taxpayer's age

R-Junior or R-Vie Protect insurance €672 per person in the household

* N.B.: The age is the age of the youngest adult saver on 1st January of the year in question 

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Don’t delay: start thinking about how to optimise your tax burden so you don’t have to take last-minute action at the end of the year.
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Plusieurs options s’offrent à vous pour utiliser la totalité ou une partie seulement de vos points.

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Where to find us
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Raiffeisen has branches all over Luxembourg so you will be able to find a branch or ATM wherever you are.

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Any questions?
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We are here to answer your questions and can put you in contact with the right people depending on your requirements.

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