Investing isn’t just about the stock market or real estate. At every stage of your life, you can benefit from relevant insurance solutions combining security, tax advantages and long-term performance. But how do you make the right choice? Which strategies make the most sense depending on your life phase, financial situation and goals? Let’s clarify things with our indicative guide and identify the best investment strategies for each stage of life.
Phase 1: Build capital and maximize tax efficiency
When you start organizing your finances, it’s essential to adopt good habits. The first priorities: pay off personal debts (e.g., student loan) as early as possible and build an emergency fund. Ideally, save three to six months’ worth of salary. This precautionary savings gives you real security in case of unexpected events or income loss. But financial protection goes beyond that. Insurance isn’t just a safety net – it’s a powerful tool to build wealth.
Take advantage of tax benefits from the beginning of your career :
In Luxembourg, life insurance and mixed insurance policies allow for long-term savings while benefiting from significant tax advantages. Under Article 111 of the L.I.R., certain premiums are tax-deductible — up to €672 per person per year.
Examples include:
easyPROTECT: civil liability (car & personal), accident and rental risk insurance
Bonus: Boost your retirement savings now!
Prepare for retirement with an individual pension plan: It’s never too early to start thinking about retirement. The earlier you start, the more time you have to save, benefit from tax deductions and build a solid additional income for later life. With easyLIFE Pension, you ensure more comfort once retired – while enjoying tax benefits. Under Article 111bis L.I.R., up to €3,200 per year can be deducted per person.
Are you already benefiting from a company pension plan like lalux-Staff Protect? Great! To maximize your employer’s pension plan, consider adding personal contributions. These reduce your taxable income each month and are deductible up to €1,200 per year under Article 110 L.I.R.
Phase 2: Consolidate and diversify your assets
With a more stable job situation and increased purchasing power, it might be time to consider other types of investments, such as real estate or entrepreneurship. The key: avoid putting all your eggs in one basket.
Opportunities to explore:
Secure your real estate projects: Planning a mortgage? Then loan balance insurance is essential to protect your family from financial hardship in case of death. Discover easyLIFE Mortgage.
Sustainable investment: Prefer a responsible approach? easyLIFE Invest for Future is an innovative life insurance contract combining capital protection and performance potential via ethical and sustainable investment funds. You can make additional payments, withdraw funds if needed and switch between funds depending on your goals. A simple way to invest at your own pace — aligned with your values.
Discover how to achieve your projects with responsible investment
Phase 3: Plan for the future
Well-thought-out wealth planning optimizes your estate transfer while reducing tax burdens. This stage is key to protecting the results of your efforts — for yourself and your loved ones.
The right solutions:
Give your child a head start in life: With a life insurance policy in your child’s name, such as easyLIFE Education, you build savings to fund their future — education, housing, travel... Plus, you benefit from tax advantages. A clever way to support them from the start.
Discover how to protect your child from its birth with our insurance solutions for children
Phase 4: Preserve and transfer your wealth
The goal at this stage is to protect your assets while optimizing regular income to maintain a comfortable lifestyle. Ensure your wishes are respected while protecting your loved ones through clear and personalized planning.
Priority investments:
Protect your loved ones no matter what: With a constant capital life insurance like easyLIFE Foresight, you safeguard your family’s standard of living or your company’s stability. A simple but vital way to ensure their financial security – plus tax benefits.
Plan for your child’s education: Education is expensive. With easyLIFE Study Cover, you save steadily for a child or grandchild — and the capital is guaranteed at contract end, even in case of death. No medical exams, easy to subscribe.
Tips to optimize your investments in Luxembourg
Make the most of available tax deductions in Luxembourg
Don’t let your money sit idle – make it work wisely
Want to go further? Diversify your investments and talk to your LALUX agent. They can also bring in an expert to tailor your strategy to your goals and market changes
Investing is about strategy and timing. It's never too early or too late to start!