Luxemburg fördert das freiwillige Rentensparen (3. Säule) als Ergänzung zum öffentlichen Rentensystem.
Allerdings werden diese Ersparnisse im Gegensatz zu vielen EU-Ländern bei der Auszahlung versteuert, was ihre langfristige Wirksamkeit verringert.
In der Praxis:
• Mehrere EU-Länder wenden teilweise Befreiungen bei Fälligkeit an
• Andere besteuern Beiträge anstelle von Auszahlungen
• Die meisten streben eine langfristige Vorhersagbarkeit über einen Zeitraum von 30–40 Jahren an
Eine öffentliche Petition befasst sich derzeit mit dieser speziellen steuerlichen Behandlung und argumentiert, dass sie von der Teilnahme an freiwilligen Altersvorsorgesparen abhält.
Quelle/Details:
Luxembourg voluntary pension savings are taxed at payout – how this differs from most EU models
byu/no_options_lux inLuxembourg
Von no_options_lux
3 Kommentare
My only issue with the prevoyance vielleisse schemes are the investment limits
It would be beneficial if they’d change the rules for the first point by e.g. creating something like investment savings accounts.
Obviously it seems somewhat fair that one gets taxed if you get tax benefits when paying into the scheme. Maybe a lower flat tax would make sense
That being said, I’d be much more at ease if they provide long term visibility when it comes to capital gains exemptions (can be limited to a maximum amount) so to provide stability for those setting cash aside
My main issue with the voluntary pension account is that I have no control over what my savings are invested into. Returns are much lower than if I was in full control, even after considering the tax benefits. Thinking of cancelling the account for that reason.
The ones I have been offered over the years were a scam: very high fees, poor and very limited choice of investment funds with high fees…. It was clear to me that they were a very good deal, only for the companies offering them.
As a result, I believe there are lots of things that could be done to make the third pillar more attractive before giving the scammers more ammunition to increase their business at the cost of reducing taxes, that at the end of the day we all will have to pay one way or another.