| Savings accounts | https://www.bil.com/en/individuals/products-and-services/save/Pages/savings-accounts.aspx | Savings accounts | |
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<span class="h1-light">Savings </span>
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Do you want to build-up capital or do you have funds to invest for a short term? Find the saving solution that best meets your needs.</p>
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<h2 class="title-1">The benefits of savings accounts</h2>
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<li>Accessible savings and the ability to make deposits or withdrawals 24/7</li>
<li>Guaranteed remuneration regardless of financial market trends</li>
<li>Option to pay in by standing order from your <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/current-accounts.aspx" title="Current accounts">BIL current account</a> </li>
<li>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 makes monitoring and managing your accounts easy</li>
</ul>
<p class="alreadyclient"><a class="btn-default" href="/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-COMPTES_EPARGNE&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA" title="Become a client">Become a client</a></p>
<p class="clientdisplay"><a class="btn-default" href="https://bilnet.lu.bil.com/#/secure-messaging/compose" title="Messagerie sécurisée">Secure messaging</a></p><div class="grid-visual-item">
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<h2 class="title-1">Savings Plus account</h2>
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<p class="title-2-description">Savings that combine accessibility and returns</p>
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<li>Subscription in euro or in 12 other currencies**</li>
<li>Value date of D+2 for deposits and D-2 for withdrawals (business days)</li>
<li>Interest paid annually on 31 December</li>
</ul>
<p class="text-mention">** The Savings Plus account can be opened in euro (EUR) or in one of the following currencies: Danish krone (DKK), Norwegian krone (NOK), Swedish krona (SEK), Czech koruna (CZK), US dollar (USD), Australian dollar (AUD), Canadian dollar (CAD), New Zealand dollar (NZD), Hungarian forint (HUF), Swiss franc (CHF), sterling (GBP) or Polish zloty (PLN).</p>
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<h2 class="title-1">Simulate your savings</h2>
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<script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/chartist.min.js"></script>
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$('#form-simulator').serialtemplate({
pathname: '{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/templates/epargne.html',
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<div data-section="Open a savings account" class="section-default">
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<h2 class="title-1">How to open a savings account?</h2>
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<h3 class="title-3">Not yet a BIL client?</h3>
<p>Become a client online. You will then be able to open your savings account from your <a href="https://bilnet.lu.bil.com/#/products" title="BILnet online banking" target="_blank">BILnet</a> client area.</p>
<p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-COMPTES_EPARGNE&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA" target="_blank">Become a clientt</a></p>
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<h3 class="title-3 alreadyclient">Already a BIL client?</h3>
<p><a class="btn-default" href="https://bilnet.lu.bil.com/#/products">Log on to your BILnet client area <span class="mobilenonbilnet">(Offer > Savings)</span></a></p>
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<h2 class="title-1">Manage your savings accounts easily</h2>
<p>Your <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 allows you to manage your savings accounts easily from your computer, tablet or smartphone:
</p><ul class="list-check">
<li>Monitor the balance of your savings accounts and banking transactions.</li>
<li>Pay into your savings accounts or make withdrawals at any time.</li>
</ul>
<p>Your savings account balances and the transactions performed over the month will also be shown on your monthly account statement.</p>
<p class="alreadyclient"><a class="btn-default" href="/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-COMPTES_EPARGNE&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA" title="Become a client">Become a client</a></p>
<p class="clientdisplay"><a class="btn-default" href="https://bilnet.lu.bil.com/#/secure-messaging/compose" title="Messagerie sécurisée">Secure messaging</a></p>
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| Term deposit | https://www.bil.com/en/individuals/products-and-services/save/Pages/term-deposit.aspx | Term deposit | | <link rel="stylesheet" href="/Style%20Library/BIL/CSS/simulateurDAT.css">
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<p class="subtitle-text">Combine performance and safety.</p>
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<h2 class="title-2">Would you like to boost your capital before using it over a maximum period of one year?<br>Are you looking for a secure investment while you wait for a better investment opportunity?</h2>
<h2 class="title-2"> Fixed-term deposits could be just what you’re looking for!</h2>
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<h2 class="title-1">The benefits of fixed-term deposits</h2>
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<li>Choice of investment term and currency</li>
<li>No risk to your capital or to the interest</li>
<li>Simplicity</li>
<li>No management fees</li>
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<h2 class="title-1" style="text-align:center;">Simulate your fixed term deposit (EUR) <br> Rate valid for subscription via BILnet</h2>
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<label for="amount">Input deposit amount</label>
<input type="number" id="amount" placeholder="Minimum 10000 €" min="10000" />
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<span id="durationText">Select fixed-term deposit duration</span>
<span id="durationValue">1 month</span>
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<option value="0">1 month</option>
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<option value="2">6 months</option>
<option value="3">12 months</option>
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<p>*Estimated total amount before tax on interest received, depending on your country of residence. The final rate will be the one at the time of the subscription.</p>
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<h2 class="title-1">A solution that combines returns and security</h2>
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<li>Minimum subscription amount: EUR 10,000</li>
<li>Subscription in EUR, USD, CHF, GBP</li>
<li>Maturity to be defined upon subscription: 1, 3, 6 or 12 months</li>
<li>Fixed return depending on the amount invested, the term of deposit and the market rates according to the currency selected</li>
</ul>
<!--<p class="text-mention">*A fixed-term deposit account can be opened in one of the following currencies: Norwegian krone (NOK), Swedish krona (SEK), US dollar (USD), Australian dollar (AUD), Canadian dollar (CAD), New Zealand dollar (NZD), Swiss franc (CHF), sterling (GBP), Polish zloty (PLN), Japanese yen (JPY), South African rand (ZAR) orTurkish lira (TRY).</p>-->
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<h2 class="title-1 text-center">How to manage your fixed-term deposit account?</h2>
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<h3 class="list-accordion-title">How can I find out the amount and interests of my fixed-term deposit?</h3>
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<p>You can check the amount deposited and the interest earned through your BILnet client area. All information on the deposit and the remuneration paid is included in the account statement drawn up for the month in which your deposit matured. </p>
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<h3 class="list-accordion-title">What should you do with the funds upon maturity?</h3>
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<p>Explore alternatives that could optimise the growth of your savings. Depending on your investor profile, a wide range of savings and investment solutions are available to you: products with a guaranteed or non-guaranteed rate, investment funds, personalised advice or overall asset management (investment involves the risk of a loss of capital.).
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<p><a href="https://www.bil.com/static/investissement/rendezvous-finances-en.html?utm_source=BILCOM&utm_medium=PAGE_DAT_EN&utm_campaign=RENDEZVOUS-FINANCES" target="_blank">Let's take the time to talk things over during our “finances meeting”:</a> : a useful opportunity to take stock of your personal finances and find out about the solutions available to help you realise your goals.</p>
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<h3 class="list-accordion-title">Is it possible to close a fixed-term deposit account before it reaches maturity?</h3>
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<p>BIL allows this option (to be performed in-branch) subject to a penalty on interest as defined in your contract. Do not hesitate to contact your BIL relationship manager who may be able to offer you other financing solutions to avoid early closure.</p>
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<h2 class="title-1 text-center">How to subscribe to a fixed-term deposit?</h2>
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<h3 class="title-3">Not yet a BIL client?</h3>
<p><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/questions-and-contact/Pages/Index.aspx#section-map"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html">Become a client online</a>. You will then be able to open a fixed-term deposit opening in BILnet.</p><br>
<p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html">Become a client</a></p>
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<h3 class="title-3 alreadyclient">Already a BIL client?</h3>
<p><a class="btn-default" href="https://bilnet.lu.bil.com/#/term-deposit-creation">Log on to your BILnet client area <span class="mobilenonbilnet">(Offer > Savings > Fixed-term deposit > Subscribe)</span></a></p>
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| Youth savings | https://www.bil.com/en/individuals/products-and-services/save/Pages/youth-savings.aspx | Youth savings | |
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Plan for your child’s future with BIL! Give your child the best start in life with savings and funds to finance their studies and personal projects</p>
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<h2 class="title-1">Four attractive savings solutions</h2>
<ul class="list-check">
<li>Flexicav savings plan*</li>
<li><a href="{%BIL_Internet_Root_URL_Luxembourg%}/static/tax-products/futurekids/index-en.html" target="_blank" title="Tax-efficient life insurance">Tax-efficient life insurance</a>*</li>
<li><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a>for children under 12*</li>
<li>Youth savings account for young people aged 12 to 29</li>
</ul>
<p style="border: 1px solid #d6cece; padding: 20px; border-radius: 5px;">*For the birth of your child, up to 150 euros offered to invest in our savings solutions! (€50 in Flexicav, €50 in BIL Kids Future (Axa) or in protect4life (Foyer), €50 in Billy savings account)<img src="/PublishingImages/site-particuliers/exclu-epargne-jeune-en.png" style="width: 100px;position: absolute; right: -40px;"></p>
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<h2 class="title-1">SICAV savings plan</h2>
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<p class="title-1-description" style="margin-bottom: 10px;">Flexicav: an investment fund savings plan to build up capital at your own pace</p>
<p style="margin-bottom: 50px;">In addition, 50 euros are offered by BIL for opening a Flexicav at the birth of your child (amount placed in Flexicav)</p>
<p><a class="btn-default" href="/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Discover its benefits and how it works">Discover its benefits and how it works</a></p>
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<div data-section="Youth life insurance" class="section-default is-silver" id="assurance-jeunes">
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<h2 class="title-1">Life insurance</h2>
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<p class="title-1-description">Do you want to give financial help to your children as they embark on a career, study, travel or move out?</p>
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<h2 class="title-1">Take advantage of life insurance</h2>
<ul class="list-check">
<li><b>Savings</b></li>
<li><b>Protection</b></li>
<li><b>Retirement savings</b></li>
<li><b>Flexibility</b></li>
<li><b>Tax benefits</b></li>
</ul>
<p>50 euros offered by BIL for opening a life insurance at the birth of your child (amount placed in the life insurance)</p>
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<h2 class="title-1">Why choose BIL for your life insurance policy?</h2>
<p>As insurance intermediaries, we offer you unbiased advice about which solutions best meet your needs and financial capabilities.</p>
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<h2 class="title-1">Also enjoy tax benefits<sup>(1)</sup></h2>
<p>Deduct your premiums from your taxable income within a limit of EUR 672 per year and per person belonging to the household for tax purposes. To simulate other possible deductions, visit <a href="https://deductionsfiscales.lu" target="_blank">www.deductionsfiscales.lu</a>.</p>
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<div data-section="Youth Savings account" class="section-default is-silver" id="epargne-jeunes">
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<h2 class="title-1">Our youth Savings account</h2>
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<li>
<h3 class="list-accordion-title">Billy Savings account</h3>
<div class="list-accordion-content">
<p>You can open a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a> on your child’s behalf from birth and until their 12th birthday.</p>
<h4 class="title-4">The benefits of the Billy savings account</h4>
<ul class="list-check">
<li>Preferential interest rate</li>
<li>Hassle-free regular or one-off payments made through the BILnet client area</li>
<li>You will receive a EUR 50 gift from BIL when your child is born and you open a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a> (amount deposited in the Billy savings account)</li>
<li>No management fees</li>
</ul>
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<li>
<h3 class="list-accordion-title">Youth Savings account</h3>
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<p>The <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-young/Pages/index.aspx" title="B-young">Youth savings account</a> is reserved for children aged between 12 and 29 years inclusive. If your child is older than 15, they can open a Youth savings account on their own (for Luxembourg residents). If your child already has a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="B-young">Billy savings account</a>, it will automatically become a Youth savings account on their 12th birthday.</p>
<h4 class="title-4">The benefits of the Youth savings account</h4>
<ul class="list-check">
<li>Preferential interest rate</li>
<li>Hassle-free regular or one-off payments made through the BILnet client area</li>
<li>Account frozen until 18 years of age and then unlimited free withdrawals and deposits</li>
<li>No management fees</li>
</ul>
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</li>
<!---<li>
<h3 class="list-accordion-title">Compte junior Juvena</h3>
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<p>Découvrez tous les avantages du compte junior Juvena, la formule d’assurance vie qui allie sécurité, souplesse, avantages fiscaux et rendement.</p>
<h4 class="title-4">Sécurité</h4>
<ul class="list-check">
<li>Vous connaissez, dès la souscription du contrat, le montant du capital garanti qui sera versé à votre enfant au terme du contrat.</li>
<li>En cas de décès de l’adulte assuré, la compagnie d’assurances AXA prend les primes à sa charge et veille ainsi à ce que votre enfant reçoive le capital prévu à la date prévue.</li>
</ul>
<h4 class="title-4">Souplesse</h4>
<ul class="list-check">
<li>Les primes peuvent être versées mensuellement.</li>
<li>Vous conservez la maîtrise du contrat pendant toute sa durée : vous pouvez ainsi modifier le nom du bénéficiaire ou racheter le capital avant le terme du contrat. En cas de rachat, une pénalité pour sortie anticipée est toutefois appliquée.</li>
</ul>
<h4 class="title-4">Rendement</h4>
<ul class="list-check">
<li>Les primes versées sont capitalisées au taux d’intérêt en vigueur à la souscription du contrat, après diminution des frais de chargement.</li>
<li>En plus d’un rendement minimum garanti, vous pouvez recevoir des participations bénéficiaires liées aux bénéfices de la compagnie d’assurances (AXA).</li>
</ul>
<h4 class="title-4">Avantages fiscaux</h4>
<ul class="list-check">
<li>Les primes versées sont déductibles à concurrence de 672 euros par an et par personne du ménage fiscal. Attention : En cas de rachat du contrat moins de 10 ans après sa souscription, les primes antérieurement déduites perdent leur caractère déductible. Une imposition fiscale rectificative est alors établie pour les années en cause.</li>
<li>Au terme d’un délai de 10 ans, le capital et les intérêts sont exempts d'impôt sur le revenu au Luxembourg.</li>
</ul>
</div>
</li> --->
</ul>
</div>
</div>
<div data-section="How to apply?" class="section-default">
<div class="page-wrapper">
<div class="grid-adaptive">
<div class="sub-column-100" style="text-align:center;">
<h2 class="title-1">Need more information about about our youth savings solutions?</h2>
<p class="alreadyclient"><a class="btn-default" href="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=EPARGNE-JEUNES&utm_content=PAGE-RDV" title="Make an appointment">Make an appointment</a></p>
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<div class="sub-column-100">
<br><sup>(1)</sup> For Luxembourg tax residents or persons treated as such; the tax benefits depend on each taxpayer’s individual situation, are subject to change, and apply for a minimum policy term of 10 years.
</small></p>
</div>
</div>
</div>
</div>
<div class="section-smallbottomnull is-silver">
<div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div>
</div> | | |
| Mortgage savings | https://www.bil.com/en/individuals/products-and-services/save/Pages/mortgage-savings.aspx | Mortgage savings | | <link rel="stylesheet" href="/Style%20Library/BIL/CSS/epargne_log.css">
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<div class="slide-content">
<h1 class="animated-title">
<span class="h1-light">Mortgage savings </span>
<span class="h1-bold"><span class="line">scheme</span></span>
</h1>
<p class="subtitle-text">
Invest in your future home with peace of mind.</p>
</div>
</div>
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<section id="know" class="know">
<div class="container">
<p>
Home savings schemes aim to offer you an attractive loan after regular savings, with a rate fixed upon signature. Whether you plan to <b>build, buy or renovate,</b> enjoy the flexibility offered by Wüstenrot savings, with attractive interest and loans at favourable rates. Discover solutions adapted to your needs now!</p> </div>
</section>
<section class="avantages">
<div class="container">
<h1 class="avantages__title">Advantages</h1>
<hr class="avantages__seperator" />
<div class="columns">
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-prevoyance.svg" alt="" />
<h1>Security</h1>
<p>No risk to your capital or the interest</p>
</article>
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-flexibilite.svg" alt="" />
<h1>Flexibility</h1>
<p>Choice of monthly savings payment amount</p>
</article>
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-rendement.svg" alt="" />
<h1>Return</h1>
<p>Focus on capital protection or performance</p>
</article>
</div>
</div>
</section>
<section class="tax">
<div class="container">
<img class="tax__icon" src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-avantages-fiscaux.svg" alt="" />
<h1 class="tax__title">TAX BENEFITS</h1>
<div class="columns is-multiline is-gapless">
<div class="column is-half">
<div class="tax__left">
<p>Reduce your tax base by up to an annual amount of</p>
<p>
<span>
<svg width="19px" height="13px" viewBox="0 0 19 13" version="1.1" xmlns="https://www.w3.org/2000/svg"
xmlns:xlink="https://www.w3.org/1999/xlink">
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<g id="LP_CAMPAGNE_BIL_PENSION" transform="translate(-358.000000, -3596.000000)" fill="#ed098a">
<g id="Avantages-fiscaux" transform="translate(308.000000, 3201.000000)">
<g id="Textes" transform="translate(0.000000, 208.000000)">
<g id="Texte-Gauche" transform="translate(50.000000, 54.000000)">
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points="12.471 133 11.416 134.055 16.114 138.754 -1.24344979e-13 138.754 -1.24344979e-13 140.247 16.114 140.247 11.416 144.944 12.472 146 18.972 139.5 12.473 133">
</polygon>
</g>
</g>
</g>
</g>
</g>
</svg>
672 € or 1344 €
</span> per person in your household depending on the age of the youngest taxpayer<sup>2</sup></p>
<p class="tax__annotation"><sup>2</sup>These depend on the situation of the individual taxpayer and are subject to change.</p>
<p class="tax__p">Annual interest on home savings schemes is not subject to the 20% withholding tax in Luxembourg.</p>
</div>
</div>
<div class="column is-half">
<div id="taxes" class="tax__right">
<!-- <div class="columns is-vcentered is-centered is-mobile">
<div class="column is-narrow tax__year">2023</div>
<div class="column is-narrow">
<div id="taxProgress" class="tax__progress"></div>
</div>
<div class="column is-narrow tax__year">2024</div>
</div>-->
<h1>YOUR TAX YEAR is in your hands!</h1>
<p>Subscribe now to take advantage of tax benefits when you file your next return!</p>
</div>
</div>
</div>
</div>
</section>
<section id="contact" class="contact1">
<div class="container">
<div class="contact__container">
<h1 class="contact__title">Would you like to sign up to a<br>home savings scheme or find out more?</h1>
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<p class="contact__subtitle alreadyclient">Already a client? </p>
<p style="margin-bottom:15px;">Contact us</p>
<a class="contact__link contact__link--mail" href="https://bilnet.lu.bil.com/#/secure-messaging/compose"
target="_blank" onclick="gtag('event', 'EPARGNE-LOGEMENT', { 'Categorie': 'BUTTON', 'Action': 'MESSAGERIE-SECURISEE'});">
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<p style="text-align:center; margin-bottom:15px;">Make an appointment <br/>or call us on (+352)4590-5000</p>
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<span class="h1-bold"><span class="line">BIL Pension</span></span>
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Plan ahead and make the most of your retirement.</p>
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<h1>Did you know?</h1>
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<h2>Average pension paid for December 2023</h2>
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<p class="know__amount"><span id="firstAmount">2 398,3</span><span>€</span><sup>1</sup></p>
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<p class="moyenne">2 398,3<span style="color:#702f8a;font-size:53px;font-weight:400;">€</span><sup style="color:#666;font-size:19px;font-weight:400;">1</sup></p>
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<sup>1</sup>Gross monthly average for all pensions from the general scheme paid by the Caisse Nationale d'Assurance Pension (CNAP), according to the <a style="color:#666;" href="https://gouvernement.lu/fr/publications.gouv2024_igss+fr+publications+rg+2024.html" target="_blank">2024 General Report</a> on Social Security in Luxembourg.
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<p class="know__quote">With the <b>BIL Pension</b> supplementary pension <b>solution</b>, <br />you can<b> act now </b>to <b>improve your standard of living</b><br />after retirement.</p>
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<section class="avantages">
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<h1 class="avantages__title">Your advantages</h1>
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<h1>PLANNING</h1>
<p>Build up your capital to secure the future of you and your family</p>
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<article class="column is-one-third avantages__item">
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<h1>FLEXIBILITY</h1>
<p>Choose the amount and frequency of your payments</p>
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<h1>RETURNS</h1>
<p>Focus on capital protection or performance</p>
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<h1 class="tax__title">TAX BENEFITS</h1>
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<p>Whatever your age, </p>
<p>deduct a maximum annual amount of</p>
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4 500 €
</span> per taxpayer from your tax base<sup>4</sup></p>
<p class="tax__annotation"><sup>4</sup>Tax benefits depend on the situation of the individual Luxembourg resident or equivalent taxpayer.</p>
</div>
</div>
<div class="column is-half">
<div id="taxes" class="tax__right">
<h1>YOUR TAX YEAR is in your hands!</h1>
<p>Subscribe now to take advantage of tax benefits when you file your next return!</p>
</div>
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</div>
</div>
<h2 style=" text-align: center;
font-size: 20px;
Color: #702f8a; margin-bottom:10px;margin-top: 90px;
font-weight: bold;">
<a href="https://www.bil.com/static/pension-pro/index-en.html"
target="_blank" style="text-align: center;
font-size: 25px;
Color: #702f8a;
margin-bottom: 10px;
margin-top: 25px;
text-decoration: underline;">
Independent freelancers and professionals – don’t let a small pension spoil your retirement</a></h2>
</section>
<section id="contact" class="contact1">
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<h1 class="contact__title">Interested or have a question?</h1>
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<p class="contact__subtitle alreadyclient">Already a client? </p>
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target="_blank" onclick="gtag('event', 'BIL-PENSION', { 'Categorie': 'BUTTON', 'Action': 'MESSAGERIE-SECURISEE'});">
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Secure messaging
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target="_blank" onclick="gtag('event', 'BIL-PENSION', { 'Categorie': 'BUTTON', 'Action': 'RDV'});">
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<h1 class="title text-center">Are you looking to build a nest egg for your children’s future, achieve a specific goal or supplement your pension?</h1>
<p class="body intro-body text-center"><b>Just like your series, music, or gym, choose simplicity and flexibility with Flexicav.</b><br>Enjoy scheduled investing and worry-free management, and watch your savings grow in with complete peace of mind.</p><br>
<p class="text-center">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.</p>
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<p class="body text-center"><strong>ACCESSIBLE</strong></p>
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<li>From €50 per month</li>
<li>Enjoy the peace of mind of automatic payments</li>
<li>Open as many Flexicav accounts as you have projects, tailored to your investor profile</li>
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<p class="body text-center"><strong>FLEXIBLE</strong></p>
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<li>Choose freely the amount (from €50 per month) and the frequency of your payments</li>
<li>Modify, suspend, or stop your payments at any time, according to your needs</li>
<li>Withdraw your capital at any time with a simple stock market order (a risk of capital loss exists)</li>
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<p class="body text-center"><strong>ADVANTAGEOUS</strong></p>
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<li>€0 entry fees*</li>
<li>€0 custody fees*</li>
<li>€50 offered when opening a Flexicav for your child at birth</li>
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<p><small>* 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 <a href="https://www.bilinvest.com">www.bilinvest.com</a></small></p>
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<li>Access 6 responsible funds compliant with Article 8 of the SFDR (Sustainable Finance Disclosure Regulation) according to your investor profile</li>
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<h2 class="title-1">How does Flexicav work?</h2>
<p><span class="up-num">1.</span> <b>Define your investor profile</b><br><br>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.</p>
<hr class="hr-class">
<p><span class="up-num">2.</span> <b>Choose the BIL Invest fund that suits you</b><br><br>According to your profile, select from 6 responsible compartments, in line with your values and ambitions.</p>
<hr class="hr-class">
<p><span class="up-num">3.</span> <b>Set the amount and frequency of your payments</b><br><br>Invest from €50 per month and choose the frequency that suits you.</p>
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<h2 class="title-1">Why invest regularly instead of all at once?</h2>
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<li>Financial markets inevitably have ups and downs, and you are never sure of investing or selling at the best times.</li>
<li>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.</li>
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<h2 class="title-1">What do you invest in with Flexicav?</h2>
<p>By choosing Flexicav, you can invest in 6 BIL Invest investment funds, managed by our experts.</p><br>
<p>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.</p><br>
<p>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.</p><br>
<p><b>Remember that investing in a fund exposes you to a risk of capital loss. Past performance is not indicative of future performance.</b></p>
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<h1 class="title text-center">They chose Flexicav...</h1>
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<p>“To help my children with their studies”</p>
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<h1>BEN, 41 YEARS OLD, MARRIED, 2 CHILDREN</h1>
<p>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.</p>
<p>However, I remain aware of the associated risks, especially the possibility of losing all my capital.</p>
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<p>“A good way to invest in the stock market cautiously”</p>
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<h1>DAN, DIVORCED, 1 CHILD</h1>
<p>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.</p>
<p>The risk of capital loss is not eliminated, but it is reduced and better spread over time!</p>
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<p>“I save with peace of mind”</p>
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<h1>CLAIRE, 36 YEARS OLD, MARRIED, 2 CHILDREN</h1>
<p>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.</p>
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<p>“Interesting for a personal down payment”</p>
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<h1>LOUIS, 35 YEARS OLD, SINGLE</h1>
<p>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.</p>
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autoplaySpeed: 5000 // Durée d'affichage de chaque élément (en millisecondes)
});
});
</script> | | |
