Pension

Saving for retirement is a critical piece of your future financial security, and Fisher Investments Luxembourg is here to help you maximise your potential by offering a supplemental pension plan with generous company contributions.

Overview

Your compensation is your livelihood, not just today, but tomorrow as well. We strive to equip you with sound financial features and a retirement you can look forward to.

In addition to the robust Luxembourg state pension, as a Fisher Investments Luxembourg employee, you have the additional benefit of generous employer contributions and a tax-efficient way to provide for your retirement income through our supplemental pension plan.

Key benefits of joining the pension plan
  • Company contributions – Fisher Investments Luxembourg contributes to your account, which along with any contributions you make will help to boost your retirement income.
  • Tax relief – Contributions you make to your account will not be taxed.
  • Retirement income – You will be entitled to withdraw money from your pension to support your living expenses in retirement.
  • Peace of mind – By participating in the pension plan, you’ll enjoy peace of mind knowing you have taken an important step towards a financially secure retirement.

Resources

Enrolment and Contributions

Joining the pension plan is easy. You can enrol online through Workday by following these enrolment instructions.

Once you’re enrolled, Fisher Investments Luxembourg automatically contributes 4% of your base pay up to the social security ceiling and 12% for base pay income over the ceiling.

Take your savings further by making your own contributions, and Fisher Investments Luxembourg will match your personal contributions up to a maximum of 50%. The current personal contribution limit is €1,200 per year, meaning if you contribute the maximum, Fisher Investments Luxembourg will match up to €600.

If you do not enrol within your first 30 days, you will be automatically enrolled into the Fisher Investments Luxembourg pension plan. This means you will receive the company contributions without making any personal contributions.

Get Started

To review and manage your retirement account, log in to the Swiss Life portal following these instructions.

Fund Information

You can choose how to invest the money in your retirement account. Learn more about your pension investment options.

You can switch your choice of investment options at any time to keep up with changes in your investing goals and retirement time frame. You can make two fund switches per year at no cost to you and this will cost €25 thereafter.

Vesting

You are immediately 100% vested in your own contributions. All company matching contributions are subject to a two-year vesting schedule. This means if you were to leave Fisher within two years of joining the pension scheme, you would be entitled to your own contributions. However, the company matching contributions would be refunded back to Fisher.

Please note, there may be other vesting considerations if you have previous Fisher tenure on a continuous term basis. Please reach out to the Benefits Department for more information.