{"id":7714,"date":"2018-10-17T07:00:10","date_gmt":"2018-10-17T05:00:10","guid":{"rendered":"https:\/\/my-life.lu\/?p=7714\/"},"modified":"2024-11-06T09:03:09","modified_gmt":"2024-11-06T08:03:09","slug":"the-supplementary-pension-system-expands-to-include-self-employed-workers-24004","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/the-supplementary-pension-system-expands-to-include-self-employed-workers-24004\/","title":{"rendered":"Supplementary pension schemes for the self-employed"},"content":{"rendered":"<p class=\"entete\">Are you self-employed? Are you aware that you can make contributions to enhance your retirement income? Supplementary pension schemes have been open to freelancers and the self-employed since 2019 in Luxembourg.<\/p>\n<p>\u00a0If you\u2019re a freelancer or are self-employed, you may already be thinking about how to plan for your retirement and what income you\u2019ll receive when the time comes. Like all employees, you are a member of the standard pension scheme and will receive the old-age pension or an early old-age pension if you meet <a href=\"https:\/\/my-life.lu\/en\/how-do-the-self-employed-claim-a-pension-24002\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>the eligibility criteria<\/strong><\/span><\/a>.<\/p>\n<p>However, very often, <a href=\"https:\/\/my-life.lu\/en\/the-state-pension-alone-is-not-provision-enough-24011\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>the old-age pension is not enough<\/strong><\/span><\/a>. This is why there are several ways to add to your state pension depending on your personal situation and means. The Supplementary pension scheme for self-employed workers (RCPI) that was established in 2019 is one option. It enables you to build up a pension pot to supplement your income in retirement.<\/p>\n<h2 id=\"h2_0\" >The pension system is based on three pillars<\/h2>\n<p>As a reminder, Luxembourg\u2019s pension system has three pillars:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>The first pillar<\/strong>: the standard pension system (old-age, disability and survivor\u2019s pension).<\/li>\n<li><strong>The second pillar<\/strong>: supplementary pension schemes that employers may offer their employees, or approved schemes that are open to the self-employed.<\/li>\n<li><strong>The third pillar<\/strong>: <a href=\"https:\/\/my-life.lu\/en\/what-kind-of-retirement-savings-plan-should-i-choose-53008\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>personal retirement savings plans<\/strong><\/span><\/a>, or private retirement savings held with a bank or insurance company.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Until 2019, only those with the status of \u201cemployee\u201d and whose employer offered such a scheme were able to use the second pillar to enhance their income during retirement (Luxembourg Law of 8 June 1999). Since 1 January 2019, this option has also been available to freelancers and the self-employed.<\/p>\n<blockquote><p>Schemes that have been approved in advance by the Luxembourg General Inspectorate of Social Security (IGSS) are now available to freelancers and the self-employed.<\/p><\/blockquote>\n<h2 id=\"h2_1\" >\u00a0Second pillar pension schemes are open to freelancers and the self-employed<\/h2>\n<p>Since the expansion of the retirement savings schemes regulations (Law of 1\u00a0August\u00a02018, which entered into force in January\u00a02019), a promoter (insurance company, pension fund manager, etc.) can now offer you a supplementary pension scheme, provided it has been approved in advance by the Luxembourg General Inspectorate of Social Security (IGSS).<\/p>\n<p>Just like the supplementary pension schemes offered by companies, these approved schemes provide extra cover for retirement, death, disability and survivors.<\/p>\n<h2 id=\"h2_2\" >Adjusted tax treatment<\/h2>\n<p>A supplementary pension scheme is a good way for the self-employed to compensate for any shortfall in income upon retirement, and it also offers certain tax deduction benefits. Indeed, the law offers freelancers and the self-employed the same tax benefits as employees. Any pension contributions are deductible as special expenses \u2013 up to 20% of net taxable income per annum, with no cap on the total amount.<\/p>\n<p><strong>Useful info<\/strong>: contributions to a scheme for the self-employed will be taxed at a flat 20% and a compensatory tax of 0.9%.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; border-style: solid; border-color: #000000; background-color: #b5b7b7;\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\"><span style=\"text-decoration: underline;\"><strong>Supplementary pension schemes accessible on MyGuichet.lu<\/strong><\/span><\/p>\n<p>Anyone affiliated to a supplementary pension scheme as an employee or a self-employed person can consult details of their acquired rights under this scheme on MyGuichet.lu.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"h2_3\" >A series of changes to the supplementary pension system<\/h2>\n<p>Beyond extending supplementary pension schemes to freelancers and the self-employed, the Law of 1\u00a0August 2018 also introduced a number of changes to pension schemes for employees, with the goal of addressing challenges that have arisen since the Law of 8\u00a0June 1999 came into force.<\/p>\n<p>In particular, the Law strengthened the protection of the rights acquired in the event of early retirement, transfer (when changing companies), or changes to a supplementary pension scheme. It changed the vesting period for pension rights from 10\u00a0years to 3\u00a0years for certain groups, allowed for the repurchase of pension rights on certain conditions, and introduced new financial planning and minimum financing requirements.<\/p>\n<p>Income tax law was also adapted. The law transposed several EU\u00a0directives dealing with freedom of movement between member states, equal opportunities and the treatment of men and women, and the supervision of occupational pension funds.<\/p>\n<p>Freelancers and the self-employed thus have an additional option available to help them to maintain their living standards upon retirement. To learn more about supplementary pension schemes, you can read <a href=\"http:\/\/legilux.public.lu\/eli\/etat\/leg\/loi\/2018\/08\/01\/a708\/jo\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>the Law<\/strong><\/span><\/a>, which came into force in January 2019 or the dedicated page on <a href=\"https:\/\/www.bil.com\/static\/pension-pro\/index-en.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>bil.com<\/strong><\/span><\/a>. In the meantime, you can also read about the <a href=\"https:\/\/my-life.lu\/en\/plan-for-your-retirement-as-soon-as-you-start-your-professional-life-53006\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>different ways to plan for retirement<\/strong><\/span><\/a> from the beginning of your career.<\/p>\n<p><span style=\"font-size: 10pt;\">* Specific conditions apply to self-employed people who are non-resident in Luxembourg.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you self-employed? Are you aware that you can make contributions to enhance your retirement income? Supplementary pension schemes have been open to freelancers and the self-employed since 2019 in Luxembourg. \u00a0If you\u2019re a freelancer or are self-employed, you may already be thinking about how to plan for your retirement and what income you\u2019ll receive &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/my-life.lu\/en\/the-supplementary-pension-system-expands-to-include-self-employed-workers-24004\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Supplementary pension schemes for the self-employed&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":7710,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"1","beyondwords_integration_method":"","beyondwords_project_id":"44704","beyondwords_content_id":"d8b3d18e-e62f-4df4-beaf-4b7bb19a29f2","beyondwords_preview_token":"efe1a25c-ef62-4f83-8e69-b6e9a7977169","beyondwords_player_content":"","beyondwords_player_style":"standard","beyondwords_language_code":"en_GB","beyondwords_language_id":"50","beyondwords_title_voice_id":"492","beyondwords_body_voice_id":"492","beyondwords_summary_voice_id":"492","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"d8b3d18e-e62f-4df4-beaf-4b7bb19a29f2","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[17,168],"tags":[540,575],"class_list":["post-7714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mycompany-en","category-entrepreneurs-and-company-directors-en","tag-business-owner_en","tag-entrepreneurs-company-directors","my_company"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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