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Invest

 

 

Fundshttps://www.bil.com/en/individuals/products-and-services/invest/Pages/funds.aspxFunds<!-- section : La BIL vous accompagne --> <div data-section="Diversify and boost 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 boost your investments<sup>1</sup>.</h2> <p>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.</p> <p>BIL has a range of open-architecture funds on offer, giving you access to every asset class, sector and investment theme.</p> <p class="text-mention"><sup>1</sup>The 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 </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">Benefits of investing in one or more funds</h2> <ul class="list-check"> <li>Favourable taxation. </li><li>Fund management delegated to external financial market experts</li> <li>Ability to consult your portfolio valuation in BILnet.</li> <li>Buy and sell orders with reduced fees in BILnet.</li> <li>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.</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">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>Fund composition</strong>: money market instruments in different currencies (fixed-term deposits, zero-coupon bonds, 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>Fund composition</strong>: 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</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 equity funds</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Equity funds</h3> <div class="list-accordion-content"> <ul class="list-1"> <li>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.</li> <li>Investment horizon: medium to long term (at least two to three years)</li> <li>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.</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>Fund composition: dynamic combination of different investment categories (money market instruments, bonds, equities, etc.)</li> <li>Investment horizon: The investment is adjusted to your investment horizon</li> <li>Risk/return ratio: each mixed fund 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">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>
Transferable securitieshttps://www.bil.com/en/individuals/products-and-services/invest/Pages/securities.aspxTransferable 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 bond are available: fixed-rate bonds 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 bonds and equities and will be guided in terms of companies, currencies, business sectors and geographical regions, etc.</p> <p>You may also submit your orders through the BILnet 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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div>
Structured productshttps://www.bil.com/en/individuals/products-and-services/invest/Pages/structured-products.aspxStructured products<!-- 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 that are redeemable upon maturity (or before maturity depending on the case) subject to conditions under which any interest or premium will be paid or presents a risk based on a formula taking into account various factors (like indices, financial instruments, commodities, exchange rates). These structured products include embedded options for hedging purposes or to optimise yield. The structured products designed by BIL allow you to diversify and optimise the returns on your portfolio with a varying level 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 market 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 market 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 market 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>You benefit from a potentially higher return than that of risk-free rates in exchange for foregoing capital protection.</li> <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 market value less fees and charges.</li> <li>As with all complex products, structured products entail certain risks</li> </ul> </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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div>
Life insurancehttps://www.bil.com/en/individuals/products-and-services/invest/Pages/life-insurance.aspxLife 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="https://deductionsfiscales.lu/" target="_blank">www.deductionsfiscales.lu</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>