The Expat Guide to Luxembourg
is the best place to start. The section on pensions in Luxembourg
gives an overview of the system.
"To be eligible for an old age pension in Luxembourg, you must have made contributions in Luxembourg or another EU country for at least 120 months. If at retirement age you haven’t made sufficient contributions, you don’t receive a pension; instead the contributions that you’ve made in Luxembourg are returned to you, excluding any employer contributions that have been made on your behalf."
From Australia's Department of Human Services site (http://www.centrelink.gov.au/internet/i ... agreements
) it doesn't appear they have a reciprocal agreement with Luxembourg. Your embassy can give you details concerning the presence of reciprocal agreements. If they do have an agreement, this means that you will get full or partial credit for contributions made in your country.
Anyone else have experience or tips?