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You have a music subscription, why not one for your savings?
No entry or custody fees.

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Image de couverture de la page Flexicav

You have a sport subscription, why not one for your savings?
From €25/month, with no commitment.

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Image de couverture de la page Flexicav

You have a streaming subscription, why not one for your savings?
Programmed investments to take better advantage of the markets.

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Are you looking to build a nest egg for your children’s future, achieve a specific goal or supplement your pension?

Opt for Flexicav, a simple and flexible investment solution that opens the doors to financial markets and the performance prospects of BIL Invest investment funds!
This remains subject to market fluctuations. Capital loss is possible, and returns are not guaranteed.

Accessible


  • From EUR 25/month minimum
  • Enjoy peace of mind with automatic payments
  • You can open several Flexicavs to suit your goals and profiles in accordance with your investor profile

Flexible


  • Capital can be accessed at any time with a simple stock order
  • You can decrease, increase, suspend or cancel your payments whenever you like
  • Freedom to choose your payment frequency

Attractive


  • No entry fees
  • No custody fees
  • EUR50 offered when opening a Flexicav for your child at birth

How Flexicav works

1.You determine your investor profile with your Relationship Manager (defensive, low, moderate, high).

2.You choose the compartment(s) of the BIL Invest fund that best suit(s) you and respect(s) your investor profile.

3.You choose how much you want to invest, and how often.
And that’s it! We’ll take care of the rest.

Why invest at regular intervals rather than all at once?

  • All financial markets have highs and lows, and you can never be sure about investing and reselling at the most opportune times.
  • With Flexicav, your investments are spread over time, allowing for a smoothing of purchase prices and risks through the diversification of the fund's investments (investing in a fund exposes you to a risk of capital loss).

With Flexicav, you don’t have to be an expert. Your money is invested in the BIL investment fund, which is managed by professionals.

Flexicav works for them. What about you?

DAN, DIVORCED, 1 CHILD

I had reservations about stock investments and the stock market, and I thought to myself “let's approach the markets cautiously”. Every month, I deposit €50 into my Flexicav, in the BIL Invest Patrimonial Defensive fund. The risk of capital loss is not eliminated but diluted!

MARTINE, 45

I’ve had a Flexicav account for 5 years now, and after taking parental leave. I wanted to freeze my EUR 150 monthly payment to have a bit of breathing room. The procedure was very simple in BILnet, and at the end of my parental leave I restarted my investments; super convenient!

LOUIS, 35, SINGLE

I started working in Luxembourg a year ago. I’d like to buy an apartment in a few years but given the housing prices I really need to put some money aside. I am betting on this savings plan to supplement my personal contribution.

CLAIRE, 36, MARRIED, 2 CHILDREN

You always hear a lot about the stock market and finance, but honestly, I don’t know a lot about the subject. With Flexicav, I don’t need to worry about anything! Every month, I deposit €100 and I know that it will be invested in securities funds selected by experts, the fund managers at BIL.

BEN, 41, MARRIED, 2 CHILDREN

When you know how much a business school or student housing costs, you look for good ways to save for your children. I wanted a flexible solution. I was impressed by how Flexicav is managed, the flexibility it provides, and that it’s managed by professionals at BIL. However, I remain aware of the potential risks and that I could potentially lose my entire capital.

Do you want a Flexicav or need more information?

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