Investment
Grow your capital
You are looking to diversify your savings by taking advantage of stock market returns while optimising your estate planning.
my savings
smartlife
Our investment solutions adapts to your pace and your plans
smartlife
You would like to set aside capital and have it grow in order to finance future projects?
smartlife is a multi-vehicle life insurance policy that you can pay into and withdraw from as you wish and consisting of 4 packages. Investments can be allocated between the unit-linked accounts and a vehicle with a guaranteed rate providing significant flexibility.
SMARTLIFE 25
Capital protection
- 25% unit-linked funds
- 75% at a guaranteed rate
SMARTLIFE 50
A balance between growth and security
- 50% unit-linked funds
- 50% at a guaranteed rate
SMARTLIFE 75
Attractive yield prospects
- 75% unit-linked funds
- 25% at a guaranteed rate
SMARTLIFE 100
Long-term growth
- 100% unit-linked funds
A socially responsible investment strategy
- The integration of ESG (Environmental, Social and Governance) criteria during the investment process.
- Transparency of our investments through regular dialogue with our clients.
- Our commitment to represent your best interests through our investments.
Access to different unit-linked investment vehicles
To benefit from interesting yield prospects, you also have access to different funds.
They enable you to invest according to your investment horizon and your risk profile.
| SMARTLIFE | Currency | Date | NAV | YTD | 1 year | 3 years | 5 years | |
|---|---|---|---|---|---|---|---|---|
| ESG Equities at Work | CurrencyEUR | Date05/01/2026 | NAV267.03 | YTD1.97 % | 1 year15.26 % | 3 years13.91 % | 5 years10.64 % | Download details |
| ESG Bonds at Work | CurrencyEUR | Date05/01/2026 | NAV154.81 | YTD0.29 % | 1 year-0.08 % | 3 years1.36 % | 5 years-0.03 % | Download details |
| Defensive | CurrencyEUR | Date05/01/2026 | NAV208.16 | YTD0.74 % | 1 year2.77 % | 3 years4.02 % | 5 years2.6 % | Download details |
| Balanced | CurrencyEUR | Date05/01/2026 | NAV229.57 | YTD1.2 % | 1 year5.23 % | 3 years7.08 % | 5 years5.44 % | Download details |
| Dynamic | CurrencyEUR | Date05/01/2026 | NAV294.41 | YTD1.65 % | 1 year8.37 % | 3 years10.4 % | 5 years8.23 % | Download details |
| Contrarian | CurrencyEUR | Date05/01/2026 | NAV1276.40 | YTD2.18 % | 1 year10.19 % | 3 years12.43 % | 5 years9.96 % | Download details |
Annualized return in %
Key features
|
Aligned with your values
Do you want to give meaning to your investments? smartlife allows you to invest in ethical investment funds that follow an asset selection methodology (shares or bonds) incorporating ESG (Environmental, Social and Governance) criteria.
|
|---|
|
Estate planning
You are free to appoint the beneficiaries of your policy in the event of death, a choice you can amend at any time free of charge.
|
|
Attractive potential returns
Depending on your investment horizon, smartlife and invest4change offer you many opportunities to grow your savings through its different investment funds (possibility to choose ESG funds) or its guaranteed-rate vehicle.
|
|
Your money remains available
You can withdraw all or part of your savings at any time free of charge.
|
|
Flexibility
You can switch between funds if you want to change the allocation of your investments.
|
|
No exit tax on your savings
Your capital payable when the policy matures or in the event of a partial or total exit is tax exempt.
|
|
Responsible management
The management of your savings is ensured by CapitalatWork, a team of experienced asset managers. They aim to strike the right balance between risk and yields so as to profit from performance on the financial markets.
|
|
Optimum protection of your savings
Luxembourg life insurance policies provide unlimited security on the deposited assets. The capital of your policy is separated from the assets of the insurance company and the custodian bank. This “super-privilege” enables you to recover your assets ahead of any other creditor of the company.
|
Included
Not included
Pension reform in Luxembourg: What key changes are in store for 2026
Retirement planning in Luxembourg is a serious subject for everyone, whether you’re a resident or a cross-border worker…just like many countries, Luxembourg is facing demographic changes to its aging population. In order…
Read more : Pension reform in Luxembourg: What key changes are in store for 2026It’s more important than ever for young people to think about retirement planning
Why? Due to our increasing life expectancy many of us will have a much longer retirement period than previous generations. Living until you’re 90 now means you’ll be living on…
Read more : It’s more important than ever for young people to think about retirement planningInsurance premiums that can be deducted when you file your Luxembourg tax return
Luxembourg’s tax system offers ways to reduce your income tax liability thanks to deductible insurance premiums. Article 111bis of the individual tax allowances (ITA) (source: https://impotsdirects.public.lu/dam-assets/fr/legislation/LIR/LIR2025.pdf) allows you to deduct…
Read more : Insurance premiums that can be deducted when you file your Luxembourg tax return
Find all our advice on the blog
You can discover all our articles written by experts to help you understand the world of insurance, give you the best advice and above all, help you prevent risks in your everyday life.
The insurance check-up, the central instrument of our advisory approach
As an insurer, our role is to guide you towards the type of coverage most suited to your daily activities so that you feel fully protected.
To help everyone clarify their situation, we have developed what we call the “customer assessment“. It’s a simple, intuitive tool that provides an overview of your insurance needs, defines your priority requirements and your medium- and long-term prospects, and guides you towards a personalised solution.
To take advantage of this service, just make an appointment with a Foyer agent, it’s free and with no obligation.
MyFoyer Client Area
In your MyFoyer client area, you can view your contracts, request a tax certificate or update your personal details.
Contact me
Contact our experts and we will provide you with a quick response.