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Funds

BIL has a range of open-architecture funds on offer, giving you access to every asset class, sector and investment theme.

Investment funds: diversify and boost your investments1.

If you are looking for better returns than those offered by ordinary savings accounts while minimising risk, investment funds could be the right solution for you.

BIL has a range of open-architecture funds on offer, giving you access to every asset class, sector and investment theme.

1The information published on this webpage is general information provided as an indication only. In no way does it constitute tailored investment advice based on the client’s investment profile, an offer or solicitation to buy or to subscribe

Benefits of investing in one or more funds

  • Favourable taxation.
  • Fund management delegated to external financial market experts
  • Ability to consult your portfolio valuation in BILnet.
  • Buy and sell orders with reduced fees in BILnet.
  • You can consult all the information available about these financial products (Key Investor Information Document (KIID), prospectus, annual report) in-branch or on our website.

Fund types

According to your risk profile and your investment horizon, you can invest in different types of funds.

  • Money market funds

    • Fund composition: money market instruments in different currencies (fixed-term deposits, zero-coupon bonds, treasury bills or certificates of deposit, short-term bonds)
    • Investment horizon: short term (two years on average)
    • Risk/return ratio: limited risk, fairly similar returns to those of ordinary savings products
  • Bond funds

    • Fund composition: fixed- or variable-income transferable securities in different currencies and covering one or more geographical regions (Europe, United States, emerging countries, etc.), such as government bonds, local authority debt or corporate bonds
    • Investment horizon: medium term (two to five years on average)
    • Risk/return ratio: moderate risk, more stable but often more limited returns than those of equity funds
  • Equity funds

    • Fund composition: equities, options or futures The equity funds are invested in various themes, geographic regions or business sectors: biotechnology, new energies, real estate, natural resources, etc.
    • Investment horizon: medium to long term (at least two to three years)
    • Risk/return ratio: potentially high risk and returns The fund managers follow rigorous investment policies (percentage invested in equities, types of liquid assets authorised) specified to investors in the prospectus, articles of association or management rules.
  • Global or mixed funds

    • Fund composition: dynamic combination of different investment categories (money market instruments, bonds, equities, etc.)
    • Investment horizon: The investment is adjusted to your investment horizon
    • Risk/return ratio: each mixed fund is offered at different levels of risk

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