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Trame décorative

You have a streaming subscription,
why not one for your savings?

Programmed investments to take better advantage of the markets.

Trame décorative

You have a music subscription,
why not one for your savings?

No entry or custody fees.

Trame décorative

You have a sport subscription,
why not one for your savings?

From €50/month, with no commitment.

❮ ❯

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

    Just like your series, music, or gym, choose simplicity and flexibility with Flexicav.
    Enjoy scheduled investing and worry-free management, and watch your savings grow in with complete peace of mind.


    Flexicav is our scheduled investment solution in investment funds. These funds are subject to market fluctuations. A loss of capital is possible, and returns are not guaranteed.

    ACCESSIBLE


    • From €50 per month
    • Enjoy the peace of mind of automatic payments
    • Open as many Flexicav accounts as you have projects, tailored to your investor profile

    FLEXIBLE


    • Choose freely the amount (from €50 per month) and the frequency of your payments
    • Modify, suspend, or stop your payments at any time, according to your needs
    • Withdraw your capital at any time with a simple stock market order (a risk of capital loss exists)

    ADVANTAGEOUS


    • €0 entry fees*
    • €0 custody fees*
    • €50 offered when opening a Flexicav for your child at birth

    * Linked to the Flexicav solution. Specific fees for BIL Invest funds exist; please consult the key information documents of the compartments available under the fund list at www.bilinvest.com

    RESPONSIBLE


    • Access 6 responsible funds compliant with Article 8 of the SFDR (Sustainable Finance Disclosure Regulation) according to your investor profile
    • Invest in funds that consider environmental, social, and governance (ESG) criteria

    How does Flexicav work?

    1. Define your investor profile

    Determine your investment objectives as well as your experience with financial products and capital markets. This allows us to offer you the fund(s) suited to your expectations and risk appetite.

    2. Choose the BIL Invest fund that suits you

    According to your profile, select from 6 responsible compartments, in line with your values and ambitions.

    3. Set the amount and frequency of your payments

    Invest from €50 per month and choose the frequency that suits you.

    Why invest regularly instead of all at once?

    • Financial markets inevitably have ups and downs, and you are never sure of investing or selling at the best times.
    • With Flexicav, your investments are spread over time. This approach allows you to smooth out purchase prices and reduce risks thanks to the diversification offered by our funds. Investing regularly means choosing peace of mind in the face of market fluctuations.

    What do you invest in with Flexicav?

    By choosing Flexicav, you can invest in 6 BIL Invest investment funds, managed by our experts.


    These funds follow a responsible investment approach, considering environmental, social, or governance criteria in their investment strategy, in addition to classic financial criteria, and are classified as “Article 8” under the European SFDR regulation (Sustainable Finance Disclosure Regulation). Each fund has a clear and transparent investment policy, so you always know where your money is going.


    Amongst these 6 funds, the 4 BIL Invest Patrimonial funds provide a turnkey solution, offering you broad diversification without you having to manage or arbitrate your investments. Let our specialists take care of it for you, giving you complete peace of mind.


    Remember that investing in a fund exposes you to a risk of capital loss. Past performance is not indicative of future performance.

    They chose Flexicav...

    “To help my children with their studies”

    BEN, 41 YEARS OLD, MARRIED, 2 CHILDREN

    When you see the cost of a business school or student housing, it’s natural to look for good solutions to save for your children’s education. For me, I was above all looking for flexibility. I was attracted by the flexibility of Flexicav and the professional management provided by BIL.

    However, I remain aware of the associated risks, especially the possibility of losing all my capital.

    “A good way to invest in the stock market cautiously”

    DAN, DIVORCED, 1 CHILD

    I had reservations about investing in stocks and the stock market. So I chose to go cautiously: each month, I invest €50 in my Flexicav, in the BIL Invest Patrimonial Defensive fund.

    The risk of capital loss is not eliminated, but it is reduced and better spread over time!

    “I save with peace of mind”

    CLAIRE, 36 YEARS OLD, MARRIED, 2 CHILDREN

    There’s a lot of talk about the stock market and finance, but to be honest, I don’t know much about it. With Flexicav, I don’t have to worry: every month, I deposit €100, and I know my money is invested in securities carefully selected by BIL’s fund managers.

    “Interesting for a personal down payment”

    LOUIS, 35 YEARS OLD, SINGLE

    I started working in Luxembourg a year ago. As I would like to buy an apartment in a few years and real estate prices are high, it is essential for me to save regularly. This savings solution allows me to gradually build up a personal down payment to bring my project to life.

    Want to open your Flexicav?

    Write to us via BILnet Become a client