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Tax Optimisation

Less tax,
more for the future.

You may benefit from substantial tax benefits by saving through life insurance policies, pensions or a home savings plan.

The legislator wishes to encourage people to build up financial reserves, so that they can protect relatives, supplement their retirement income or take steps towards the acquisition of a home.

Irrespective of your personal circumstances, Raiffeisen can offer you solutions that enable you to fully benefit from these opportunities. 

Home savings policy

Build up savings to finance your future home and deduct €672 or €1,344 per person depending on the age of the youngest adult policy-holder.

R-Pension & R-Vie Pension Insurance plans

Save for your pension and deduct €3,200 from your taxable base regardless of your age (following amendments made to Article 111bis of the Luxembourg Income Tax Law on income from retirement savings products).

R-Junior Insurance and savings account

Build up savings for your children and deduct €672 per member of your household.


R-Vie Protect life insurance

Use our R-Vie Protect life insurance product to save, plan and reduce your tax burden depending on your situation. 

Overview of the tax optimisation options for each of the products described

Product Deductible amount
Home Savings Account*

≤ 40 years: €1,344 per member of the household

> 40 years: €672 per member of the household

R-Pension/ R-Vie Pension insurance plans

€3,200 regardless of the subscriber’s age 

R-Junior or R-Vie Protect insurances

€672 for each member of the household

* N.B.: The age is that of the youngest adult subscriber on 1 January of the relevant year. 

Tax optimisation

If you start thinking about optimising your tax position now, you will avoid a last-minute rush at the end of the year.

Where to find us

There are Raiffeisen branches all over Luxembourg to make things easy for you. Find a branch or distributor wherever you may be!

Any questions?

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