Less tax,
more for the future.
You can benefit from some attractive tax incentives if you save via a life assurance policy, a pension fund 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.
Home savings account
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.
R-Pension & R-Vie Pension insurance plans
Save for your pension and deduct €3,200 from your taxes, regardless of your age (following the amendments to article 111bis L.I.R. on pension savings).
R-Junior insurance and savings account
Put money aside for your children and deduct €672 per person in your household.
R-Vie Protect insurance
Use our R-Vie Protect life insurance product to save, plan and reduce your tax burden depending on your situation.
An overview of the possibilities for tax optimisation with the products on offer
| 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, regardless of the saver’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 1st January of the year in question
Don’t delay: start thinking about how to optimise your tax burden so you don’t have to take last-minute action at the end of the year.
Where to find us
Raiffeisen has branches all over Luxembourg so you will be able to find a branch or ATM wherever you are.
Any questions?
We are here to answer your questions and can put you in contact with the right people depending on your requirements.