Do you have lots of ideas for the future? Do you dream of buying a country house, sailing around the world, building a veranda or helping your children or grandchildren get a good start in life? Today, saving is no longer enough to bring your plans to life. So Foyer has come up with some tailor-made investment solutions that combine the benefits of life insurance with the returns of the financial markets while keeping your money available at all times.
With inflation on the rise, saving can seem risky. That’s why Foyer offers investment solutions via flexible multi-support life insurance policies, with flexible deposits and withdrawals. Invest at your own pace, while keeping your money available at all times.
These plans are ideal for organising the transfer of your assets and growing your savings according to your needs and investor profile: conservative, adventurous or environmentally conscious. With the smartlife and invest4change formulas, there’s a plan to suit everyone.
Pass on your wealth
In the event of death before the end of the contract, the accumulated sum is paid to the beneficiaries without the intervention of a notary, unlike bank accounts. You are free to choose your beneficiaries and can change this choice at any time at no charge.
Tax exemption
Whether at the end of the policy or in the event of partial or total withdrawal before the end of the policy, the capital accumulated in a life insurance policy is never taxed on withdrawal.
Optimum protection
In Luxembourg, your savings are protected if the insurance company defaults. Your money is kept in a separate account with a bank approved by the Commissariat Aux Assurances, so you get all your savings back first.
In addition to the benefits of life insurance, smartlife and invest4change offer advantages usually reserved for traditional savings or investments.
Prospects for returns
smartlife and invest4change allow you to grow your savings according to your investment horizon and investor profile. Your Foyer advisor will help you choose the formula that’s right for you and allocate your investments between different guaranteed-rate or variable-capital vehicles. You can change formula at any time.
Need cash?
You can withdraw all or part of your money at any time, with no exit fees*.
What about the risk?
Don’t worry: the management of your savings is entrusted to a team of managers from the CapitalatWork Foyer Group, with over 30 years’ experience. They balance risk and return to take advantage of the performance of the financial markets.
Finally, these products are available from as little as €200/month, so you can invest at your own pace without impacting your day-to-day budget.
Do you want your investments to help build a more sustainable, ecological and socially responsible future? If you don’t want your precious savings to be used to support oil and gas exploration in the Arctic, or the tobacco or arms industry, invest4change is for you. As the first insurance product to be awarded the LuxFlag Sustainable Insurance label, it selects ethical investment funds for you according to an asset selection methodology (shares or bonds) that incorporates environmental, societal and governance (ESG) criteria.
Its philosophy is to promote companies that are active in sustainable economic development. Thanks to an investment strategy strictly approved by associations of professionals specialising in this area, it allows you to save in accordance with your values, to take care of the world we live in.
*Please refer to the smartlife and invest4change general terms and conditions for details of how to make an early withdrawal free of charge.
