{"id":1307,"date":"2025-10-14T10:00:54","date_gmt":"2025-10-14T08:00:54","guid":{"rendered":"https:\/\/www.lajus-associes.fr\/?p=1307"},"modified":"2026-02-19T09:01:02","modified_gmt":"2026-02-19T08:01:02","slug":"fas-luxembourg","status":"publish","type":"post","link":"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/","title":{"rendered":"FAS Luxembourg"},"content":{"rendered":"\n<p>Dans le cadre d\u2019une <strong>assurance vie luxembourgeoise<\/strong>, le FAS \u2014 Fonds d\u2019Assurance Sp\u00e9cialis\u00e9 \u2014 est un compartiment d\u2019investissement sur mesure, s\u00e9curis\u00e9 par le cadre luxembourgeois, pens\u00e9 pour des patrimoines exigeants souhaitant combiner personnalisation, protection et efficacit\u00e9 patrimoniale. Ce guide p\u00e9dagogique vous explique, \u00e9tape par \u00e9tape, ce qu\u2019est un FAS Luxembourg, ses avantages, ses contraintes, \u00e0 qui il s\u2019adresse, et comment le mettre en place sereinement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce qu\u2019un FAS Luxembourg dans une assurance vie\u202f?<\/h2>\n\n\n\n<p>Un&nbsp;<strong>Fonds d\u2019Assurance Sp\u00e9cialis\u00e9 (FAS)<\/strong>&nbsp;est un compartiment d\u2019investissement interne \u00e0 l\u2019assureur, d\u00e9di\u00e9 \u00e0 un ou plusieurs preneurs d\u2019assurance, avec une gestion et une politique d\u2019investissement d\u00e9finies sur mesure. Il s\u2019inscrit dans le contrat d\u2019<strong><a href=\"https:\/\/www.zeusinvest.com\/blog\/assurance-vie-luxembourgeoise\/\" type=\"link\" id=\"https:\/\/www.zeusinvest.com\/blog\/assurance-vie-luxembourgeoise\/\" target=\"_blank\" rel=\"noreferrer noopener\">assurance vie luxembourgeois<\/a>e<\/strong>&nbsp;dit \u201cunit\u00e9 de compte\u201d.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personnalisation \u00e9lev\u00e9e<\/strong>\u202f: strat\u00e9gie d\u2019investissement construite selon votre profil (horizon, tol\u00e9rance au risque, besoins de liquidit\u00e9).<\/li>\n\n\n\n<li><strong>Architecture ouverte<\/strong>\u202f: acc\u00e8s large aux classes d\u2019actifs sous r\u00e9serve d\u2019\u00e9ligibilit\u00e9 (titres cot\u00e9s, fonds, dettes priv\u00e9es, immobilier via v\u00e9hicules, etc.).<\/li>\n\n\n\n<li><strong>S\u00e9curisation luxembourgeoise<\/strong>\u202f: application du \u201ctriangle de s\u00e9curit\u00e9\u201d et supervision du CAA (Commissariat aux Assurances).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAS vs FID vs FIC\u202f: comprendre les diff\u00e9rences<\/h2>\n\n\n\n<p>Dans l\u2019univers de l\u2019<strong>assurance vie Luxembourg<\/strong>, plusieurs v\u00e9hicules coexistent. Voici un aper\u00e7u comparatif (indications qualitatives)\u202f:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Crit\u00e8re<\/strong><\/td><td><strong>FAS (Fonds d\u2019Assurance Sp\u00e9cialis\u00e9)<\/strong><\/td><td><strong>FID (Fonds Interne D\u00e9di\u00e9)<\/strong><\/td><td><strong>FIC (Fonds Interne Collectif)<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Personnalisation<\/td><td>Tr\u00e8s \u00e9lev\u00e9e (mandat d\u00e9di\u00e9, politique ad hoc)<\/td><td>\u00c9lev\u00e9e (d\u00e9di\u00e9 au(x) preneur(s))<\/td><td>Faible \u00e0 moyenne (collectif)<\/td><\/tr><tr><td>Nombre d\u2019investisseurs<\/td><td>Un ou cercle restreint<\/td><td>Un ou cercle restreint<\/td><td>Nombre illimit\u00e9<\/td><\/tr><tr><td>Acc\u00e8s\/Seuils<\/td><td>\u00c9lev\u00e9s, fix\u00e9s par l\u2019assureur sous contr\u00f4le CAA<\/td><td>\u00c9lev\u00e9s, fix\u00e9s par l\u2019assureur<\/td><td>Plus accessible<\/td><\/tr><tr><td>Univers d\u2019actifs<\/td><td>Large, sous conditions d\u2019\u00e9ligibilit\u00e9 et de contr\u00f4le des risques<\/td><td>Large, sous conditions<\/td><td>Plut\u00f4t standardis\u00e9 (OPCVM, ETF, titres cot\u00e9s)<\/td><\/tr><tr><td>Gouvernance<\/td><td>Cadre renforc\u00e9 (IP, comit\u00e9s, reporting)<\/td><td>Renforc\u00e9e<\/td><td>Standardis\u00e9e<\/td><\/tr><tr><td>Objectif type<\/td><td>Gestion patrimoniale sur mesure<\/td><td>Gestion d\u00e9di\u00e9e<\/td><td>Solution mutualis\u00e9e cl\u00e9 en main<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Les atouts d\u2019un FAS Luxembourg<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sur mesure<\/strong>\u202f: allocation, contraintes et objectifs param\u00e9tr\u00e9s selon votre situation (tr\u00e9sorerie d\u2019entreprise, cession d\u2019actifs, transmission, retraite).<\/li>\n\n\n\n<li><strong>Triangle de s\u00e9curit\u00e9<\/strong>\u202f: actifs cantonn\u00e9s aupr\u00e8s d\u2019une banque d\u00e9positaire agr\u00e9\u00e9e, sous contr\u00f4le du&nbsp;<strong>CAA<\/strong>.<\/li>\n\n\n\n<li><strong>Ouverture d\u2019univers d\u2019investissement<\/strong>\u202f: acc\u00e8s \u00e0 des classes d\u2019actifs diversifi\u00e9es (cot\u00e9s et non cot\u00e9s, selon crit\u00e8res d\u2019\u00e9ligibilit\u00e9).<\/li>\n\n\n\n<li><strong>Portabilit\u00e9 transfrontali\u00e8re<\/strong>\u202f: contrat reconnu dans de nombreux pays, utile pour expatri\u00e9s et mobilit\u00e9s.<\/li>\n\n\n\n<li><strong>Outil patrimonial<\/strong>\u202f: enveloppe facilitant l\u2019organisation de la transmission (b\u00e9n\u00e9ficiaires, clauses, d\u00e9membrement le cas \u00e9ch\u00e9ant).<\/li>\n\n\n\n<li><strong>Pilotage des risques<\/strong>\u202f: cadre de diversification, reporting r\u00e9gulier, contr\u00f4le de conformit\u00e9.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Cadre r\u00e9glementaire et s\u00e9curit\u00e9<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Commissariat aux Assurances (CAA)<\/strong>\u202f: supervise les assureurs vie au Luxembourg et la bonne application des r\u00e8gles (\u00e9ligibilit\u00e9 des actifs, diversification, gouvernance).<\/li>\n\n\n\n<li><strong>Triangle de s\u00e9curit\u00e9<\/strong>\u202f: s\u00e9paration stricte entre actifs de l\u2019assureur et ceux des preneurs, conservation par une&nbsp;<strong>banque d\u00e9positaire<\/strong>&nbsp;ind\u00e9pendante, contr\u00f4le r\u00e9gulier.<\/li>\n\n\n\n<li><strong>KYC\/AML renforc\u00e9s<\/strong>\u202f: conformit\u00e9 (lutte anti\u2011blanchiment, origine des fonds, profil investisseur) au c\u0153ur du processus.<\/li>\n\n\n\n<li><strong>Reporting<\/strong>\u202f: valorisation p\u00e9riodique, transparence sur la composition et les risques.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Actifs \u00e9ligibles et diversification<\/h2>\n\n\n\n<p>Selon les assureurs et la r\u00e9glementation, un&nbsp;<strong>FAS Luxembourg<\/strong>&nbsp;peut accueillir notamment\u202f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Titres cot\u00e9s\u202f: actions, obligations, convertibles, ETF\/OPCVM (UCITS).<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.zeusinvest.com\/blog\/comprendre-la-courbe-en-j-en-private-equity-optimisation-des-cash-flows\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fonds de private equity, private debt, infrastructure, real estate <em>via<\/em> v\u00e9hicules appropri\u00e9s.<\/a><\/strong><\/li>\n\n\n\n<li>Produits structur\u00e9s, d\u00e9riv\u00e9s \u00e0 des fins de couverture.<\/li>\n\n\n\n<li>Tr\u00e9sorerie et instruments mon\u00e9taires.<\/li>\n<\/ul>\n\n\n\n<p>Principes usuels\u202f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diversification<\/strong>&nbsp;par \u00e9metteurs\/secteurs\/g\u00e9ographies.<\/li>\n\n\n\n<li><strong>Liquidit\u00e9<\/strong>&nbsp;compatible avec les besoins du contrat.<\/li>\n\n\n\n<li><strong>Valorisation<\/strong>&nbsp;fiable et document\u00e9e.<\/li>\n\n\n\n<li><strong>Risque ma\u00eetris\u00e9<\/strong>&nbsp;par limites internes (concentrations, notations, etc.).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pour qui et pour quels objectifs\u202f?<\/h2>\n\n\n\n<p>Le&nbsp;<strong>FAS Luxembourg<\/strong>&nbsp;convient particuli\u00e8rement\u202f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aux dirigeants\/entrepreneurs apr\u00e8s cession d\u2019entreprise.<\/li>\n\n\n\n<li>Aux familles recherchant une gouvernance d\u2019actifs robuste.<\/li>\n\n\n\n<li>Aux expatri\u00e9s et frontaliers avec besoins transfrontaliers.<\/li>\n\n\n\n<li>Aux investisseurs souhaitant des allocations multi\u2011actifs incluant des poches non cot\u00e9es.<\/li>\n<\/ul>\n\n\n\n<p>Objectifs fr\u00e9quents\u202f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Croissance de long terme<\/strong>&nbsp;avec contr\u00f4le de la volatilit\u00e9.<\/li>\n\n\n\n<li><strong>G\u00e9n\u00e9ration de revenus<\/strong>&nbsp;(coupons\/dividendes).<\/li>\n\n\n\n<li><strong>Diversification<\/strong>&nbsp;hors zone domestique.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.zeusinvest.com\/blog\/assurance-vie-luxembourgeoise\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Transmission (b\u00e9n\u00e9ficiaires, clauses adapt\u00e9es).<\/strong><\/a><\/li>\n\n\n\n<li><strong>Optimisation patrimoniale<\/strong>&nbsp;dans un cadre r\u00e9glement\u00e9.<\/li>\n<\/ul>\n\n\n<div class=\"zeus-cta-card wp-block-zeus-invest-cta-card\">\n    <div class=\"zeus-cta-card__copy\">\n        <p class=\"zeus-cta-card__text\">Et vous, combien rapporte votre \u00e9pargne ?<\/p>\n        <p class=\"zeus-cta-card__subtitle\">Nos experts Zeus Invest sont l\u00e0 pour vous accompagner<\/p>\n    <\/div>\n    <button type=\"button\" class=\"zeus-cta-card__btn plausible-event-name=Welcome+Click plausible-event-position=Blog+Article plausible-event-content=Contactez-nous\" onclick=\"window.dispatchEvent(new CustomEvent('open-booking-widget'))\">\n        Contactez-nous\n        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.zeusinvest.com\/blog\/\/app\/themes\/zeus-invest\/assets\/icons\/arrow-right.svg\" alt=\"\" width=\"16\" height=\"16\">\n    <\/button>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Mise en place d\u2019un FAS Luxembourg\u202f: \u00e9tapes cl\u00e9s<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Diagnostic patrimonial<\/strong>\u202f: objectifs, horizon, profil de risque, contraintes (\u00e9thique, liquidit\u00e9).<\/li>\n\n\n\n<li><strong>Choix de l\u2019assureur et du d\u00e9positaire<\/strong>\u202f: solidit\u00e9, gamme, processus, reporting.<\/li>\n\n\n\n<li><strong>S\u00e9lection du gestionnaire\/mandataire<\/strong>\u202f: expertise, track\u2011record, conformit\u00e9 CAA.<\/li>\n\n\n\n<li><strong>R\u00e9daction de la politique d\u2019investissement (Investment Policy)<\/strong>\u202f: univers, limites, risques, process (comit\u00e9s, rebalancements).<\/li>\n\n\n\n<li><strong>Onboarding KYC\/AML<\/strong>\u202f: preuves d\u2019origine des fonds, justificatifs.<\/li>\n\n\n\n<li><strong>Souscription au contrat<\/strong>\u202f: versement, ventilation dans le&nbsp;<strong>FAS Luxembourg<\/strong>.<\/li>\n\n\n\n<li><strong>Suivi continu<\/strong>\u202f: rapports, comit\u00e9s d\u2019investissement, ajustements, contr\u00f4les.<\/li>\n<\/ol>\n\n\n\n<p><strong>Co\u00fbts et fiscalit\u00e9\u202f: l\u2019essentiel \u00e0 retenir<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Frais<\/strong>\u202f: peuvent combiner frais de contrat (assureur), de d\u00e9p\u00f4t\/banque, de gestion\/mandat, et co\u00fbts des supports (fonds, transactions). La structure exacte d\u00e9pend des partenaires retenus et des montants.<\/li>\n\n\n\n<li><strong>Fiscalit\u00e9<\/strong>\u202f: d\u00e9pend strictement de votre r\u00e9sidence fiscale et des conventions applicables. Le Luxembourg applique une neutralit\u00e9 de l\u2019enveloppe\u202f; l\u2019imposition intervient selon les r\u00e8gles de votre pays (sorties, rachats, transmission).<\/li>\n<\/ul>\n\n\n\n<p><strong>Important\u202f:<\/strong> <strong><a href=\"https:\/\/customers.zeusinvest.com\/welcome\" type=\"link\" id=\"https:\/\/customers.zeusinvest.com\/welcome\" target=\"_blank\" rel=\"noreferrer noopener\">faites valider tout montage par un professionnel<\/a><\/strong>. Cet article est informatif et ne constitue pas un conseil fiscal ou juridique personnalis\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Risques et points de vigilance<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Risque de march\u00e9<\/strong>\u202f: fluctuation des valeurs liquidatives.<\/li>\n\n\n\n<li><strong>Liquidit\u00e9<\/strong>\u202f: actifs non cot\u00e9s potentiellement illiquides.<\/li>\n\n\n\n<li><strong>Valorisation<\/strong>\u202f: d\u00e9pend de donn\u00e9es disponibles et de m\u00e9thodologies robustes.<\/li>\n\n\n\n<li><strong>Concentration<\/strong>\u202f: \u00e0 encadrer par des limites et un suivi r\u00e9gulier.<\/li>\n\n\n\n<li><strong>Risque op\u00e9rationnel<\/strong>\u202f: qualit\u00e9 des processus, des contreparties et du reporting.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ FAS Luxembourg<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1) Qu\u2019est-ce qu\u2019un FAS Luxembourg en assurance vie<\/strong><strong>\u202f<\/strong><strong>?<\/strong><\/h3>\n\n\n\n<p>Un&nbsp;<strong>FAS Luxembourg<\/strong>&nbsp;est un compartiment d\u2019investissement sur mesure \u00e0 l\u2019int\u00e9rieur d\u2019une assurance vie luxembourgeoise, offrant une grande libert\u00e9 d\u2019allocation sous contr\u00f4le du CAA et du triangle de s\u00e9curit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2) Quel est le ticket d\u2019entr\u00e9e d\u2019un FAS Luxembourg<\/strong><strong>\u202f<\/strong><strong>?<\/strong><\/h3>\n\n\n\n<p>Les seuils sont fix\u00e9s par l\u2019assureur et encadr\u00e9s par la r\u00e9glementation. Ils sont g\u00e9n\u00e9ralement \u00e9lev\u00e9s (souvent \u00e0 partir de montants \u00e0 six chiffres ou plus), selon le profil investisseur et la complexit\u00e9 de la strat\u00e9gie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3) Quels actifs peut-on d\u00e9tenir dans un FAS Luxembourg<\/strong><strong>\u202f<\/strong><strong>?<\/strong><\/h3>\n\n\n\n<p>Un univers large\u202f: titres cot\u00e9s (actions\/obligations\/ETF), fonds UCITS\/alternatifs \u00e9ligibles, private equity\/debt, immobilier via v\u00e9hicules, produits structur\u00e9s et instruments de couverture, dans le respect des r\u00e8gles d\u2019\u00e9ligibilit\u00e9 et de diversification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Le&nbsp;<strong>FAS Luxembourg<\/strong>&nbsp;est une solution robuste pour structurer une gestion vraiment personnalis\u00e9e au sein d\u2019une&nbsp;<strong>assurance vie luxembourgeoise<\/strong>, en combinant ouverture d\u2019univers d\u2019investissement, s\u00e9curit\u00e9 r\u00e9glementaire et efficacit\u00e9 patrimoniale. Pour \u00e9valuer si un FAS convient \u00e0 votre situation et d\u00e9finir la bonne architecture (assureur, d\u00e9positaire, mandataire, politique d\u2019investissement), <strong><a href=\"https:\/\/customers.zeusinvest.com\/welcome\" type=\"link\" id=\"https:\/\/customers.zeusinvest.com\/welcome\" target=\"_blank\" rel=\"noreferrer noopener\">rapprochez\u2011vous d\u2019un expert, prenez rendez-vous.<\/a><\/strong><\/p>\n\n\n\n<p><strong>Prenez rendez\u2011vous pour un diagnostic confidentiel et sans engagement afin d\u2019\u00e9tudier votre cas. L&rsquo;id\u00e9e \u00e9tant de b\u00e2tir une solution claire, s\u00e9curis\u00e9e et durable.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Sources officielles et liens utiles<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Commissariat aux Assurances (CAA)\u202f:&nbsp;<a href=\"https:\/\/www.caa.lu\/\">https:\/\/www.caa.lu<\/a><\/li>\n\n\n\n<li>Association des Compagnies d\u2019Assurances et de R\u00e9assurances (ACA) \u2013 Triangle de s\u00e9curit\u00e9\u202f:&nbsp;<a href=\"https:\/\/www.aca.lu\/\">https:\/\/www.aca.lu<\/a><\/li>\n<\/ul>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans le cadre d\u2019une assurance vie luxembourgeoise, le FAS \u2014 Fonds d\u2019Assurance Sp\u00e9cialis\u00e9 \u2014 est un compartiment d\u2019investissement sur mesure, s\u00e9curis\u00e9 par le cadre luxembourgeois, pens\u00e9 pour des patrimoines exigeants souhaitant combiner personnalisation, protection et efficacit\u00e9 patrimoniale. Ce guide p\u00e9dagogique vous explique, \u00e9tape par \u00e9tape, ce qu\u2019est un FAS Luxembourg, ses avantages, ses contraintes, \u00e0 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1456,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_hide_from_front":false,"footnotes":""},"categories":[7,18,4],"tags":[],"serie":[19],"class_list":["post-1307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-developper-son-patrimoine","category-diversifier-ses-investissements","category-transmettre-son-patrimoine","serie-assurance-vie-luxembourg"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAS Luxembourg - ZEUS INVEST<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez le FAS Luxembourg, un v\u00e9hicule d\u2019investissement innovant et \u00e9volutif pour optimisez votre patrimoine en toute libert\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAS Luxembourg - ZEUS INVEST\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez le FAS Luxembourg, un v\u00e9hicule d\u2019investissement innovant et \u00e9volutif pour optimisez votre patrimoine en toute libert\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/\" \/>\n<meta property=\"og:site_name\" content=\"Zeus Invest\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-14T08:00:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T08:01:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/zeus-blog.cellar-c2.services.clever-cloud.com\/uploads\/2025\/10\/debby-hudson-1cEMf-Ua9iU-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1441\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u00c9lodie Lajus Vanderlynden\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u00c9lodie Lajus Vanderlynden\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/\"},\"author\":{\"name\":\"\u00c9lodie Lajus Vanderlynden\",\"@id\":\"https:\/\/www.zeusinvest.com\/blog\/#\/schema\/person\/e1c470f588a6f730843b006b2f08e2b9\"},\"headline\":\"FAS Luxembourg\",\"datePublished\":\"2025-10-14T08:00:54+00:00\",\"dateModified\":\"2026-02-19T08:01:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/\"},\"wordCount\":1256,\"image\":{\"@id\":\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/zeus-blog.cellar-c2.services.clever-cloud.com\/uploads\/2025\/10\/debby-hudson-1cEMf-Ua9iU-unsplash-scaled.jpg\",\"articleSection\":[\"D\u00e9velopper son patrimoine\",\"Diversifier ses investissements\",\"Transmettre son patrimoine\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/\",\"url\":\"https:\/\/www.zeusinvest.com\/blog\/fas-luxembourg\/\",\"name\":\"FAS Luxembourg - 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