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Funds

With BIL Invest, BIL offers you a wide range of investment funds to help you achieve your goals.

Investment funds: diversify and grow your investments

With BIL Invest you have access to a number of different asset classes, currencies and broader geographic regions. Whether you want to make your own investment decisions or leave them to the professionals, we’ll find the solution that’s best for you.

Find out more about all of our funds

Investing in one or more funds: what are the benefits?

  • Preferential rates on BIL Invest funds for BIL clients: no entry or exit charges until 31 December 2018 (see conditions in branch)
  • Potentially attractive returns in light of current interest rates
  • An accessible solution thanks to low minimum investment thresholds
  • Funds managed by BIL with the decision-making centre in Luxembourg
  • Easier access to markets and investment products generally reserved for seasoned investors
  • A fund covered by the European UCITS* directive, which sets strict security requirements to protect investors
  • Manage your orders from the comfort of your own home: buy and sell online through BILnet
  • Favourable tax regime (tax benefits depend on specific situation)

Fund types

What is an investment fund?

It is simply a body that collects savings from different investors having the same investment objectives. The money is pooled and then invested in various products available on financial markets, such as equities, bonds and currencies. According to your risk profile and your investment horizon, you can invest in different types of funds.

  • Money market funds

    • funds 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

    • Funds 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

    • Funds composition: equities, options or futures. The equities 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

Want more information about our funds? Would you like to extend your investments to other funds?

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This information shown here is general and provided for guidance 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 any security, instrument or financial product. Past performance is no guarantee of future performance. This information provided herein is outside the scope of any existing management agreement.