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Funds<!-- section : La BIL vous accompagne --> <div data-section="Diversify your investments" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Investment funds: diversify and grow your investments</h2> <p>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.</p> <p><a class="btn-default" href="" title="Find out more about all of our funds">Find out more about all of our funds</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Produitsetservices-investir-fonds_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : Avantages --> <div data-section="Benefits" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Investing in one or more funds: what are the benefits?</h2> <ul class="list-check"> <li><b>Preferential rates on BIL Invest funds for BIL clients</b>: no entry or exit charges until 30 June 2019 (see conditions in branch)</li> <li><b>Potentially attractive returns</b> in light of current interest rates</li> <li><b>An accessible solution</b> thanks to low minimum investment thresholds</li> <li>Funds managed by BIL with the <b>decision-making centre in Luxembourg</b></li> <li><b>Easier access</b> to markets and investment products generally reserved for seasoned investors</li> <li>A fund covered by the European UCITS* directive, which sets <b>strict security requirements to protect investors</b></li> <li><b>Manage your orders from the comfort of your own home</b>: buy and sell online through <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">BILnet</a></li> <li><b>Favourable tax regime</b> (tax benefits depend on specific situation)</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Produitsetservices-investir-fonds_002.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : Types de fonds --> <div data-section="Fund types" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Fund types</h2> <p class="title-1-description">What is an investment fund?</p> <p>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.</p> </div> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Money market funds</h3> <div class="list-accordion-content"> <ul class="list-1"> <li><strong>funds composition</strong>: money market instruments in different <a href="" title="Currencies">currencies</a> (fixed-term deposits, zero-coupon <a href="" title="Bonds">bonds</a>, treasury bills or certificates of deposit, short-term bonds)</li> <li><strong>Investment horizon</strong>: short term (two years on average)</li> <li><strong>Risk/return ratio</strong>: limited risk, fairly similar returns to those of ordinary savings products</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Bond funds</h3> <div class="list-accordion-content"> <ul class="list-1"> <li><strong>Funds composition</strong>: fixed- or variable-income transferable securities in different <a href="" title="Currencies">currencies</a> and covering one or more geographical regions (Europe, United States, emerging countries, etc.), such as government <a href="" title="Bonds">bonds</a>, local authority debt or corporate bonds</li> <li><strong>Investment horizon</strong>: medium term (two to five years on average)</li> <li><strong>Risk/return ratio</strong>: moderate risk, more stable but often more limited returns than those of <a href="" title="Equities">equity</a> funds</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Equity funds</h3> <div class="list-accordion-content"> <ul class="list-1"> <li><strong>Funds composition</strong>: <a href="" title="Equities">equities</a>, options or futures. The <a href="" title="Equities">equities</a> funds are invested in various themes, geographic regions or business sectors: biotechnology, new energies, real estate, natural resources, etc.</li> <li><strong>Investment horizon</strong>: medium to long term (at least two to three years)</li> <li><strong>Risk/return ratio</strong>: potentially high risk and returns The fund managers follow rigorous investment policies (percentage invested in <a href="" title="Equities">equities</a>, types of liquid assets authorised) specified to investors in the prospectus, articles of association or management rules.</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Global or mixed funds</h3> <div class="list-accordion-content"> <ul class="list-1"> <li><strong>Fund composition</strong>: dynamic combination of different investment categories (money market instruments, <a href="" title="Bonds">bonds</a>, <a href="" title="Equities">equities</a>, etc.)</li> <li><strong>Investment horizon</strong>: The investment is adjusted to your investment horizon</li> <li><strong>Risk/return ratio</strong>: each mixed <a href="" title="Funds & SICAVs">fund</a> is offered at different levels of risk</li> </ul> </div> </li> </ul> </div> </div> <!-- section : Contact --> <div data-section="Contact us" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Want more information about our funds? Would you like to extend your investments to other funds?</h2> <p><a class="btn-default" href="" title="Discover the BIL Invest funds" style="margin: 10px;">Discover the BIL Invest funds</a><a class="btn-default" href="" title="Arrange a meeting with us to discuss this">Arrange a meeting with us to discuss this</a></p> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/logo-bilinvest.jpg" alt="Logo BIL Invest"></p> <p>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.</p> </div> </div> </div> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="myinvest-fr"></div> </div>
Transferable securities securities<!-- section : La BIL vous accompagne --> <div data-section="Equities/Bonds" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Transferable securities</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Bonds: considered one of the safest investments</h3> <ul class="list-1"> <li><strong>A bond</strong> is a debt instrument issued by a State, government body or company seeking capital.</li> <li><strong>Characteristics</strong>: The minimum investment amount, bond duration and terms of remuneration are predetermined. Two types of <a href="" title="Bonds">bond</a> are available: fixed-rate <a href="" title="Bonds">bonds</a> that offer a coupon (interest) determined when the bond is issued and variable-rate bonds, for which the coupon amount varies in line with the reference interest rates.</li> <li><strong>Risks</strong>: These investments are not risk-free: they carry a risk of issuer default both in the case of coupon payment and capital repayment.</li> </ul> </div> <div class="sub-column-50"> <h3 class="title-2">Equities: greater risk for better returns</h3> <ul class="list-1"> <li><strong>A share</strong> represents a proportion of a company’s share capital. This capital is remunerated by dividends, resulting from the company’s profits or reserves.</li> <li><strong>Characteristics</strong>: Holding shares in a company makes you its owner up to the value of your investment. This status entitles you to dividends.</li> <li><strong>Risks</strong>: Your invested capital and dividends are not guaranteed. The share price may be subject to sharp rises or falls depending on the political, economic and/or stock market environment and depending on the company’s level of risk. Should the company experience financial difficulty, you may lose all or a portion of the capital invested. Furthermore, dividends are directly dependent on the company’s performance and on the dividend policy decided at the general meeting of shareholders.</li> <li><strong>Our advice</strong>: Equity investments should be for a minimum of six to eight years. You are therefore strongly advised not to use this type of investment using savings that you may need in the short term.</li> </ul> </div> </div> </div> </div> <!-- section : Avantages --> <div data-section="How to invest ?" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">How to invest?</h2> <p>Your BIL relationship manager will steer you towards the most suitable investments for your needs; you can choose between <a href="" title="Bonds">bonds</a> and <a href="" title="Equities">equities</a> and will be guided in terms of companies, <a href="" title="Currencies">currencies</a>, business sectors and geographical regions, etc.</p> <p>You may also submit your orders through the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">BILnet</a> client area on the main European and US stock markets.</p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Produitsetservices-investir-valeursmobilieres_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : Contact --> <div data-section="Contact us" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Contact us</h2> <p class="title-1-description">Would you like to be put in touch with a relationship manager?</p> <p><a class="btn-default" href="">Make an appointment</a></p> </div> </div> </div> <div class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="myinvest-fr"></div> </div>
Structured products products <link rel="stylesheet" href="/static/produits-structures-bil/jquery.fancybox.min.css" type="text/css" /> <link rel="stylesheet" href="/static/produits-structures-bil/unslider.css" type="text/css" /> <script src="/static/produits-structures-bil/jquery.fancybox.min.js"></script> <script src="/static/produits-structures-bil/unslider-t7-min.js"></script> <script src="/static/produits-structures-bil/app.js"></script> <style> { list-style:none; margin:auto; } li { display:inline-block; max-width:33%; padding:0; box-sizing:border-box; } li a { text-decoration:none; color:inherit; font-size:16px; margin:20px; display:inline-block; } li a span { width:84px; height:84px; background-position:top; display:block; margin:auto; margin-bottom:10px; } li span, li a:hover span { background-position:0 -84px; } li a#lien_desktop span { background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop.png); } li a#lien_tablet span { background-image:url(/PublishingImages/site-particuliers/produit-structure/tablet.png); } li a#lien_smartphone span { background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone.png); } .sliders { max-width:831px; margin:auto; position:relative; } .sliders .slider { margin-bottom:50px; } .sliders .photo { width:100%; height:510px; background-size:contain; background-repeat:no-repeat; background-position:center center; display:block; } .sliders li { background-color:#FFFFFF; border-radius:5px; } .sliders li span { color:#07BFD8; font-weight:bold; } .sliders li .legende { padding:20px 10px; } .sliders .unslider { position:relative; } .sliders .unslider-arrow { top:40%; background-color:rgba(0,0,0,0.5); display:block; text-align:center; width:60px; height:60px; } .sliders .unslider-arrow img { margin-top:16px; } .sliders { right:0; border-radius:3px 0 0 3px; } .sliders .unslider-arrow.prev { left:0; border-radius:0 3px 3px 0; } #slider_tablet { display:none; } #slider_smartphone { display:none; } </style> <!-- section : Produits structurés --> <div data-section="Structured products" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Structured products: attractive investments that are still relatively unknown to retail clients <sup>1</sup>.</h2> <p>Structured products are securities or deposits repayable upon maturity or upon expiry of certain periods specified in the contracts. The conditions under which any interest or premium will be paid and the risk associated with the product result from the combination of the contract terms and various other factors such as indices, financial instruments, commodities and exchange rates. These structured products include an embedded option for hedging or speculative purposes with a view to optimising yield. The structured products designed by BIL allow you to diversify and optimise the returns on your portfolio with different levels of risk depending on the product chosen.</p> <p class="text-mention"><sup>1</sup> 1Structured products are not risk-free. Please contact our BIL relationship managers to determine which products are most suited to your profile. Consult the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/bil-group/documentation/Pages/emtn.aspx" target="_blank">EMTN</a> base prospectus.</p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Produitsetservices-investir-produitsstructures_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : La BIL vous accompagne --> <div data-section="Innovative solutions" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Innovative solutions</h2> <p class="title-1-description">BIL offers three innovative solutions that combine different levels of risk and capital guarantee.</p> </div> <div class="grid-adaptive"> <div class="sub-column-33"> <h3 class="title-2 text-center">BIL Fix</h3> <ul class="list-check"> <li>You are guaranteed to redeem all invested capital less fees and charges at maturity.</li> <li>Early redemptions are made at <a href="" title="Financial markets">market</a> value less fees and charges.</li> <li>A fixed or rising interest rate is known and guaranteed over the period.</li> </ul> </div> <div class="sub-column-33"> <h3 class="title-2 text-center">BIL Y.E.S.</h3> <ul class="list-check"> <li>You are guaranteed to redeem all invested capital less fees and charges at maturity.</li> <li>Early redemptions are made at <a href="" title="Financial markets">market</a> value less fees and charges.</li> <li>Better yield prospects than conventional investments: The remuneration of each BIL Y.E.S. is linked to the performance of financial assets selected by our experts (shares, indices, exchange rates, etc.).</li> <li>The income is variable depending on <a href="" title="Financial markets">market</a> conditions at the time of issue and takes the form of coupons or of a single premium at maturity.</li> </ul> </div> <div class="sub-column-33"> <h3 class="title-2 text-center">BIL Plus</h3> <ul class="list-check"> <li>If the price rises, the investment is redeemed at par in cash.</li> <li>If the price falls below a certain minimum set at issue, redemption is made in shares.</li> <li>If you redeem early, you receive <a href="" title="Financial markets">market</a> value less fees and charges.</li> <li>As with all complex products, structured products entail certain risks</li> </ul> </div> <div class="sub-column-100"> <p>As with all complex products, structured products entail certain risks associated with market conditions or the underlying assets. </p> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Subscription to BIL structured products<sup>1</sup> through BILnet</h2> <p class="title-1-description">To subscribe to BIL structured products <sup>1</sup> , please log in on your computer or through the BILnet app and follow the instructions below:</p> <ul class="support"> <li><a href="#" id="lien_desktop" class="active"><span></span>Desktop</a></li> <li><a href="#" id="lien_smartphone"><span></span>Smartphone</a></li> </ul> <div style="clear:both; height:20px;"></div> <div class="sliders"> <div id="slider_desktop" class="slider"> <ul> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/1.png" data-fancybox="group_desktop" data-caption="1. In the menu bar at the top of the screen, click “Invest”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/1.png)"></a> <div class="legende"><span>1.</span> In the menu bar at the top of the screen, click “Invest”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/2.png" data-fancybox="group_desktop" data-caption="2. Click on the “Structured products” category " class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/2.png)"></a> <div class="legende"><span>2.</span> Click on the “Structured products” category </div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/3.png" data-fancybox="group_desktop" data-caption="3. You will be able to view all structured products" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/3.png)"></a> <div class="legende"><span>3.</span> You will be able to view all structured products </div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/4.png" data-fancybox="group_desktop" data-caption="4. Then select the product you wish to subscribe to" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/4.png)"></a> <div class="legende"><span>4.</span> Then select the product you wish to subscribe to</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/5.png" data-fancybox="group_desktop" data-caption="5. Select a securities account for the transaction" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/5.png)"></a> <div class="legende"><span>5.</span> Select a securities account for the transaction</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/6.png" data-fancybox="group_desktop" data-caption="6. Select the account to be charged" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/6.png)"></a> <div class="legende"><span>6.</span> Select the account to be charged</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/7.png" data-fancybox="group_desktop" data-caption="7. Enter the desired amount" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/7.png)"></a> <div class="legende"><span>7.</span> Enter the desired amount</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/8.png" data-fancybox="group_desktop" data-caption="8. Tick the box to confirm, then apply your signature to the subscription by validating your transaction" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/8.png)"></a> <div class="legende"><span>8.</span> Tick the box to confirm, then apply your signature to the subscription by validating your transaction</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/9.png" data-fancybox="group_desktop" data-caption="9. Click “Comfirm”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/9.png)"></a> <div class="legende"><span>9.</span> Click “Confirm”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/10.png" data-fancybox="group_desktop" data-caption="10. Click “Validate”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/10.png)"></a> <div class="legende"><span>10.</span> Click “Validate”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/desktop/en/11.png" data-fancybox="group_desktop" data-caption="11. Your transaction was successfully processed" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/desktop/en/11.png)"></a> <div class="legende"><span>11.</span> Your transaction was successfully processed</div> </li> </ul> </div> <div id="slider_smartphone" class="slider"> <ul> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_1.png" data-fancybox="group_smartphone" data-caption="1. Click on the “More” tab" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_1.png)"></a> <div class="legende"><span>1.</span> Click on the “More” tab</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_2.png" data-fancybox="group_smartphone" data-caption="2. Select the category “Stock exchange”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_2.png)"></a> <div class="legende"><span>2.</span> Select the category “Stock exchange”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_3.png" data-fancybox="group_smartphone" data-caption="3. Go to “Financial markets”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_3.png)"></a> <div class="legende"><span>3.</span> Go to “Financial markets”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_4.png" data-fancybox="group_smartphone" data-caption="4. There, you can select “Structured products”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_4.png)"></a> <div class="legende"><span>4.</span> There, you can select “Structured products”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_5.png" data-fancybox="group_smartphone" data-caption="5. Validate with LuxTrust authentication" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_5.png)"></a> <div class="legende"><span>5.</span> Validate with LuxTrust authentication</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_6.png" data-fancybox="group_smartphone" data-caption="6. You will be able to view all structured products" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_6.png)"></a> <div class="legende"><span>6.</span> You will be able to view all structured products</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_7.png" data-fancybox="group_smartphone" data-caption="7. Select a structured product and click “subscribe”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_7.png)"></a> <div class="legende"><span>7.</span> Select a structured product and click “subscribe”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_8.png" data-fancybox="group_smartphone" data-caption="8. Scroll down to view details on the selected product" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_8.png)"></a> <div class="legende"><span>8.</span> Scroll down to view details on the selected product</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_9.png" data-fancybox="group_smartphone" data-caption="9. Select a securities account for the transaction" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_9.png)"></a> <div class="legende"><span>9.</span> Select a securities account for the transaction</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_10.png" data-fancybox="group_smartphone" data-caption="10. Select the account to be charged" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_10.png)"></a> <div class="legende"><span>10.</span> Select the account to be charged</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_11.png" data-fancybox="group_smartphone" data-caption="11. Enter the desired amount" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_11.png)"></a> <div class="legende"><span>11.</span> Enter the desired amount</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_12.png" data-fancybox="group_smartphone" data-caption="12. Tick the box to confirm, then apply your signature to the subscription by validating your transaction" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_12.png)"></a> <div class="legende"><span>12.</span> Tick the box to confirm, then apply your signature to the subscription by validating your transaction</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_13.png" data-fancybox="group_smartphone" data-caption="13. Click “verify”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_13.png)"></a> <div class="legende"><span>13.</span> Click “verify”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_14.png" data-fancybox="group_smartphone" data-caption="14. Click “confirm”" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_14.png)"></a> <div class="legende"><span>14.</span> Click “confirm”</div> </li> <li> <a href="/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_15.png" data-fancybox="group_smartphone" data-caption="15. Your transaction was successfully processed" class="photo" style="background-image:url(/PublishingImages/site-particuliers/produit-structure/smartphone/en/IMG_15.png)"></a> <div class="legende"><span>15.</span> Your transaction was successfully processed</div> </li> </ul> </div> </div> </div> </div> </div> <!-- section : Contact --> <div data-section="Contact us" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Contact us</h2> <p class="title-1-description">Would you like to be put in touch with a relationship manager?</p> <p><a class="btn-default" href="">Make an appointment</a></p> </div> </div> </div> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="myinvest-fr"></div> </div>
Life insurance insurance<!-- section : Assurance vie --> <div data-section="Life insurance" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Life insurance: prepare your future, while keeping your family safe.</h2> <p>You make one or several payments each year throughout the term of the life insurance policy. The savings built up plus any interest accrued will be paid when the policy ends. The life insurance policy has a 10-year fixed term.</p> <h3 class="title-3">Advantages:</h3> <ul class="list-check"> <li>Very attractive tax regime in Luxembourg for this type of product.</li> <li>Choice of five funds depending on your investment strategy, with the option to switch at any time (switching generates fees).</li> <li>Management entrusted to well-reputed fund managers.</li> <li>Assurance that in the event of your death, your savings will be paid to your beneficiaries.</li> <li>Death cover included: in the event of death, at least 130% of the premiums paid will be repaid to your beneficiaries (less any partial surrender).</li> <li>Savings are not frozen: it is possible to surrender your policy before it expires (penalty imposed).</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Produitsetservices-investir-assurancevie_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : Un produit fiscalement intéressant --> <div data-section="Very attractive tax regime" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Very attractive tax regime in Luxembourg for this type of product</h2> <p>With life insurance, you can take care of your loved ones while reducing your tax base. Indeed, you can deduct the premiums paid up to EUR 672 per year and per person within the household/per person belonging to the household for tax purposes – (including any children for which the taxpayer receives a tax allowance).</p> <p>In the event of death, you are not subject in Luxembourg to any tax on the remuneration on the policy. To take advantage of this particularly attractive tax benefit, you must hold your policy to term. To simulate other possible deductions, visit <a href="" target="_blank"></a>.</p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Produitsetservices-investir-assurancevie_002.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : Contact --> <div data-section="Contact" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Contact us</h2> <p class="title-1-description">Would you like to be put in touch with a relationship manager?</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div>