Life insurance gives access to these savings mechanisms, through various products such as investment products, retirement savings, employee benefits or the supplementary pension scheme for the self-employed.
Advantage n° 1: focus on building long-term value to set aside a comfortable retirement pension. As you can see, current interest rates are low. AXA Luxembourg offers a retirement savings solution that allows you to take advantage of the promising returns of the AXA PENSION investment fund while ensuring a progressive shift to less risky investments as you approach retirement.
For example, if you are a long-term investor who will retire in more than 20 years, your savings will mainly be invested in dynamic high-yield assets such as stocks or real estate. As you approach retirement, your savings will gradually be invested in more secure assets such as government bonds and treasury bonds to limit the risks.

Advantage n° 2: In Luxembourg, investing in funds via retirement savings insurance makes you eligible for tax deductions. Article 111 bis of the Income Tax Act sets the maximum annual amount deductible from your taxable income at €3,200.
Advantage N° 3: By opting for an internationally renowned insurance company, you benefit from the expertise of experienced fund managers. At AXA, your savings are placed in the hands of the professionals of AXA Investment Managers, an entity specialised in asset management with nearly 800 professionals working in 16 international investment centres. How do you stand to gain? You take advantage of the best opportunities offered by all the global markets.