Tax optimization

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Less tax, more for the future.

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You can benefit from some attractive tax incentives if you save via a life assurance policy, a pension plan or a housing savings account.

Our lawmakers want to encourage people to put money aside to protect their nearest and dearest, boost their pension or prepare for a property investment.

Whatever your personal situation, Raiffeisen has a solution to help you make the most of all these opportunities.

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Submitted by Carole on Thu, 06/08/2017 - 12:25

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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Submitted by Carole on Thu, 06/08/2017 - 12:28

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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Submitted by Carole on Thu, 06/08/2017 - 12:29

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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Submitted by Carole on Thu, 06/08/2017 - 12:30

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

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 1^st January of the year in question