Investing in Luxembourg: an opportunity not to be missed

Is it legal to invest in Luxembourg?

Yes, investing money in Luxembourg is perfectly legal for Belgian residents. Since the end of banking secrecy and the introduction of automatic information exchange between the Belgian and Luxembourg authorities, all transactions are transparent and comply with European legislation. You simply need to declare your contract in your Belgian tax return (box 1076) to be fully compliant. Luxembourg companies, like all financial players, also ensure that the funds entrusted to them are of lawful origin.

Why choose Luxembourg for your investments?

Luxembourg is recognized for the strength of its financial sector, its political and economic stability, and its rigorous management. Rated AAA by international agencies, it offers a reassuring environment for investors seeking security and performance.

Favorable taxation

Revenue generated by your investments in Luxembourg are not taxed locally, but only in Belgium. Thanks to the double taxation agreement between the two countries, you never pay tax twice on the same income. This system therefore allows you to take full advantage of the return on your investments, while complying with Belgian tax legislation.

Optimal protection for your assets

Luxembourg investment insurance offers unique protection thanks to the safety triangle :

• Your funds are deposited with a bank approved by theInsurance Commissioner(CAA).
• They are separated from the insurance company's assets, ensuring complete legal and financial security.
• In the event of the company's failure, customers benefit from a super privilege, allowing them to recover their claims as a priority.

The Insurance Commission continuously monitors compliance with these obligations and may freeze the company's accounts if necessary in order to protect the interests of policyholders.

A wide range of funds and international management

Luxembourg contracts provide access to a wide range of funds and investment vehicles: UCITS, SICAV, ETF, FIC, FID, or FAS Starting at €125,000. This opportunity allows you to diversify your portfolio globally, across different currencies or asset classes (stocks, bonds, gold, commodities, etc.), while maintaining control and monitoring from Belgium.

Comparison: investment insurance in Luxembourg vs Belgium

Criteria	Investment insurance Luxembourg	Investment insurance Belgium
Asset protection	Safety triangle, separation of assets, super privilege	Legal guarantee capped at €100,000 per establishment
Choice of funds	International funds, multi-currency funds, FIC/FID/FAS funds starting at €125,000	Euro and mixed funds, lower entry ticket
Management	International, managed and monitored from Belgium	Local, limited options

Note: It is possible to obtain certain comparable advantages through well-structured Belgian contracts. However, Luxembourg offers unparalleled flexibility and security for more diversified estates.

Precautions to take

Investing in Luxembourg is simple and legal for Belgian residents, provided that the contract is declared correctly. To take full advantage of the benefits, it is recommended that you seek the assistance of an expert who will analyze your personal situation, your investor profile, and your long-term goals.

Why choose RGF?

At RGFAbove all, we are experts in wealth management. Our team supports each client in building, protecting, and passing on their wealth, with a personalized and rigorous approach. For more than 20 years, we have been working closely with Luxembourg's financial players, enabling us to offer the best investment solutions in a secure and compliant environment.

• Personalized and independent advice
• Recognized expertise in wealth management
• Privileged access to all Luxembourg solutions
• Tailored support: from media selection to tax and financial management

Conclusion

Placing your money in Luxembourg means choosing security, transparency, and performance. Trust the expertise of RGF Group to diversify, protect, and enhance your assets, benefiting from Luxembourg's expertise and expert tax advice.