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Savings accountshttps://www.bil.com/en/individuals/products-and-services/save/Pages/savings-accounts.aspxSavings accounts<!-- section : 1 --> <div data-section="Benefits" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">The benefits of savings accounts</h2> <ul class="list-check"> <li>Accessible savings and the ability to make deposits or withdrawals 24/7</li> <li>Guaranteed remuneration regardless of <a href="https://finance.bil.com/BilNetFinancePlugin/Market.mvc/Home?lang=en" title="Financial markets">financial market</a> 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> or accounts open with other banks</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> <li>No management fees</li> </ul> <p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx">Open an account</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-epargner_comptesepargne_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Compare accounts" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Compare accounts</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Call account</h3> <p class="title-2-description">An accessible and easy way to save</p> <ul class="list-1"> <li>Subscription in euro</li> <li>Three sources of remuneration: basic rate for savings interest + growth premium + loyalty premium. *</li> <li>Value date of D+15 for deposits and D-15 for withdrawals (calendar days)</li> <li>Interest and premiums are paid annually on 31 December</li> </ul> <p class="text-mention">* The base rate is aligned with the financial markets. The growth premium is calculated based on the net increase in deposits over the year (i.e. the difference between your deposits and your withdrawals). The loyalty premium is calculated based on the lowest credit balance recorded during the past year.</p> </div> <div class="sub-column-50"> <h3 class="title-2">Savings Plus account</h3> <p class="title-2-description">Savings that combine accessibility and returns</p> <ul class="list-1"> <li>Subscription in euro or in 12 other currencies**</li> <li>Higher return than a No Notice Savings account</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> </div> </div> </div> </div> <!-- section : simmulateur epargne --> <div data-section="Simulate your savings" id="simulateur" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Simulate your savings</h2> <div id="form-simulator" method="get" action="#"></div> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/traductions-simulateur.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/parameters-simulateur.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/jquery.serialtemplate.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/mobiscroll.custom-2.9.2.min.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/chartist.min.js"></script> <script type="text/javascript"> $('#form-simulator').serialtemplate({ pathname: '{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/templates/epargne.html', language: 'en' }); </script> </div> </div> </div> <!-- section : contact --> <div data-section="Open a savings account" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to open a savings account?</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-3">Not yet a BIL client?</h3> <p>Make an appointment at the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur" title="The branches">BIL branch</a> of your choice or become a client online. You will then be able to manage your savings account from 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.</p> <p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx">Open an account</a></p> </div> <div class="sub-column-50"> <h3 class="title-3">Already a BIL client?</h3> <ol class="list-2"> <li>Log on to your <a href="javascript:QuickConnectBILnet();"> <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.</li> <li>Create a No Notice Savings account or a Savings Plus account.</li> <li>Transfer the desired amount from another BIL account or from an account open with another bank.</li> </ol> <p>You can also open a savings account (minimum: EUR 100) and carry out all related transactions in-<a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a>.</p> </div> </div> </div> </div> <!-- section : bil webcard --> <div data-section="Manage your savings accounts" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <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. You only need to visit a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a> when you wish to close your savings account.</p> <p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx">Open an account</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/Home-BILnet.jpg" alt=""> </span> </div> </div> </div> </div> </div> <div class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div> </div>
Youth savingshttps://www.bil.com/en/individuals/products-and-services/save/Pages/youth-savings.aspxYouth savings<!-- section : 1 --> <div data-section="Benefits" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Three attractive savings solutions</h2> <ul class="list-check"> <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><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-young/Pages/index.aspx" title="B-young">Youth savings account</a> for young people aged 12 to 25</li> <li>BIL Kids Future, tax-efficient life insurance for your child</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-epargner_epargnejeunes_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : accordion --> <div data-section="Our youth Savings account" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Our youth Savings account</h2> </div> <ul class="list-accordion"> <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">Benefits offered by the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/Index.aspx" title="Billy Club">Billy savings account</a>:</h4> <ul class="list-check"> <li>Preferential interest rate</li> <li>Hassle-free regular or one-off payments made 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</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> </div> </li> <li> <h3 class="list-accordion-title">Youth Savings account</h3> <div class="list-accordion-content"> <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 24 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="Billy Club">Billy savings account</a>, it will automatically become a Youth savings account on their 12th birthday.</p> <h4 class="title-4">Benefits offered by 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 <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</li> <li>Account frozen until 18 years of age and then unlimited free withdrawals and deposits</li> <li>No management fees</li> </ul> </div> </li> </ul> </div> </div> <!-- section : accordion --> <div data-section="Youth life insurance" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <div class="grid-center"> <h2 class="title-1">BIL Kids Future life insurance</h2> </div> <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> </div> </div> </div> </div> <div class="section-default"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <h2 class="title-1">Take advantage of BIL Kids Future 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> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <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> </div> </div> </div> </div> <div class="section-default"> <div class="page-wrapper"> <h2 class="title-1">Two packages depending on how you see the future<sup>(1)</sup></h2> <div class="grid-adaptive"> <div class="sub-column-50"> <h4 class="title-4"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/divers/BIL-Kids-Future-AXA-fr.pdf" target="_blank">BIL Kids Future by AXA (Juvena) (in French)</a></h4> <p>Simple and attractive savings solution for putting money aside regularly</p> <ul class="list-check"> <li>Final capital known at the start and choice of date for payment to the beneficiary</li> <li>Guaranteed minimum interest rate</li> <li>Payment of premiums by the insurance company if the insured party dies</li> <li>Beneficiary profit-sharing payment, if applicable<sup>(2)</sup></li> </ul> </div> <div class="sub-column-50"> <h4 class="title-4"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/divers/BIL-Kids-Future-foyer-fr.pdf" target="_blank">BIL Kids Future by Foyer (in French)</a></h4> <p>A reliable savings solution featuring substantial death cover.</p> <ul class="list-check"> <li>Guaranteed payment when the policy expires of the initially agreed capital</li> <li>Very substantial death cover</li> <li>Payment of death benefits if the insured party dies (doubled in the event of accidental death)</li> <li>Payment of premiums by the insurance company if the insured party dies</li> <li>Beneficiary profit-sharing payment, if applicable<sup>(2)</sup></li> </ul> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <h2 class="title-1">Also enjoy tax benefits<sup>(3)</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 onclick="ga('send', 'event', 'Clic', 'Lien', 'deductionsfiscales.lu');" href="https://deductionsfiscales.lu" target="_blank">www.deductionsfiscales.lu</a>.</p> </div> </div> </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 BIL Kids Future, or are you ready to take out a policy?</h2> <p class="title-2-description">Call (+352) 4590-3000 or visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice.</p> <p><a class="btn-default" href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=YOUTH-SAVINGS&utm_content=PAGE-RDV">Make an appointment</a></p> </div> <div class="sub-column-100"> <p><small><sup>(1)</sup>For more information about fees and conditions, please contact your relationship manager. <br><sup>(2)</sup>Based on the performance of the insurance company; past performance is not an indication of future results. <br><sup>(3)</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 savingshttps://www.bil.com/en/individuals/products-and-services/save/Pages/mortgage-savings.aspxMortgage savings<!-- section : 2 --> <div data-section="Advantages" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Advantages</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Advantages of the plan</h3> <ul class="list-check"> <li>No risk to your capital or the interest</li> <li>Choice of amount of monthly contributions</li> <li>Savings that offer returns and are easily accessible</li> <li>Possibility, at the end of the plan, to take out a mortgage at an attractive fixed rate to finance your real estate project in Luxembourg or Germany. This rate is defined when you sign the plan.</li> </ul> </div> <div class="sub-column-50"> <h3 class="title-2">Tax benefits</h3> <ul class="list-check"> <li>Very attractive tax regime in Luxembourg for this type of product</li> <li>Up to EUR 672 per year and per person belonging to the household for tax purposes is tax-deductible</li> <li>The credit interest on a mortgage savings plan, credited each year, is not subject to the 10% withholding tax in Luxembourg</li> </ul> </div> </div> </div> </div> <!-- section : numéros d'urgence --> <div data-section="How to apply ?" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to apply?</h2> <p class="title-1-description">Visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice to open your Wüstenrot mortgage savings plan. For any changes to your contract (e.g. a change in the amount of your savings), contact your BIL relationship manager.</p> <p><a class="btn-default" href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=MORTGAGE-SAVINGS&utm_content=PAGE-BTN-RDV">Make an appointment</a></p> </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>
BIL Pension, for a retirement that suits youhttps://www.bil.com/en/individuals/products-and-services/save/Pages/complementary-pension.aspxBIL Pension, for a retirement that suits you <div data-section="" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <p class="title-1-description">Would you like to make the most of your retirement? Act now to build up personal savings on top of your statutory pension, with a range of pension insurance products suited to your current and future needs.</p> </div> <div class="grid-adaptive" style="text-align:center; margin-left:0px"> <div class="sub-column-30" style="background-color: #ECECEC;padding: 30px 40px 30px 40px;box-shadow: 5px 5px 5px rgba(44, 44, 44, 0.11);text-align: left;"> <h3 class="title-2">Retirement savings </h3> <p>Build up your capital to secure the future of you and your family</p> </div> <div class="sub-column-30" style="background-color: #ECECEC;padding: 30px 40px 30px 40px;box-shadow: 5px 5px 5px rgba(44, 44, 44, 0.11);text-align: left;margin-left: 3%; margin-right: 3%;"> <h3 class="title-2">Tax benefits</h3> <p>Prepare for your retirement while reducing your tax</p> </div> <div class="sub-column-30" style="background-color: #ECECEC;padding: 30px 40px 30px 40px;box-shadow: 5px 5px 5px rgba(44, 44, 44, 0.11);text-align: left;"> <h3 class="title-2">Return</h3> <p>Focus on capital protection or performance</p> </div> </div> </div> </div> <!-- section --> <div data-section="Combine tax benefits" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Combine tax benefits</h2> <p class="title-1-description">Attractive tax regime in Luxembourg for this type of product</p> </div> <div class="grid-adaptive"> <div class="sub-column-60"> <p>Benefit from significant tax deductions throughout the term of the policy (minimum term: ten years) by deducting all or part of the amount of premiums paid from your tax base. <br>If you are married, your spouse can obtain the same benefits by taking out a second plan. <br>When the policy expires, there are three savings repayment options open to you:</p> <ul class="list-check"> <li>Lump sum payment of all or part of your capital</li> <li>Monthly annuities</li> <li>Combination of both payment types</li> </ul> </div> <div class="sub-column-40"> <p class="text-highlight is-small">New in 2017: Whatever your age, deduct a maximum annual amount of EUR 3,200 per taxpayer from your tax base.</p> </div> </div> <div class="grid-adaptive"> <div class="sub-column-100"> <p><em>The lump sum is taxable in Luxembourg at half the average rate. 50% of the annuity is tax exempt. The other half is taxable as income according to the standard tax rate.</em></p> <p><strong>Your BIL relationship manager is at your service to discuss these tax measures in more detail. To simulate other possible deductions, visit <a href="https://deductionsfiscales.lu/">www.deductionsfiscales.lu</a>.</strong></p> <p><em>Tax information varies depending on individual circumstances and is subject to change at any time.</p></em> </div> </div> </div> </div> <!-- section --> <div data-section="Our products" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Our products</h2> <p class="title-1-description">As an insurance broker, BIL offers you a full range of products in association with its insurance partners Foyer and AXA. Find the BIL Pension product best suited to your situation.</p> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">BIL Pension Protect </h3> <ul class="list-check"> <li><a href="/Documents/divers/FIF-Alizea.pdf" target="_blank">BIL Pension Protect by AXA (in French)</a></li> <li><a href="/Documents/divers/FIF-Protect.pdf" target="_blank">BIL Pension Protect by Foyer (in French)</a></li> </ul> <p>With this supplementary pension solution, take advantage of a guaranteed minimum interest rate on your payments (independent of financial market fluctuations), as well as any share of profits, depending on the insurance company's results.</p> <p>You know the minimum amount of money that you will be paid when you reach retirement age. Start your new life with peace of mind and no surprises.</p> </div> <div class="sub-column-50"> <h3 class="title-2">BIL Pension Vision</h3> <ul class="list-check"> <li><a href="/Documents/divers/FIF-Save-for-Life-Pension.pdf" target="_blank">BIL Pension Vision by AXA (in French)</a></li> <li><a href="/Documents/divers/FIF-Vision.pdf" target="_blank">BIL Pension Vision by Foyer (in French)</a></li> </ul> <p>Invest your savings in the <a href="/Documents/brochures/bil-patrimonial-en.PDF" target="_blank">BIL Patrimonial</a><sup>1</sup> diversified investment fund that best suits your profile depending on your risk appetite, while staying within the legal limits for equity investments<sup>2</sup>. This non-guaranteed repayment solution based on financial market performance is flexible and dynamic. It allows you to take advantage of potentially strong returns and try to build up a substantial sum for retirement.</p> <p>With guidance from our experts, you remain flexible with regard to the amount invested and, to a certain extent, the fund chosen.</p> </div> </div> <div class="grid-adaptive"> <div class="sub-column-100"> <span style="font-size:10px;"><p><sup>1</sup> Investment fund with no capital guarantee, subject to market fluctuations, suitable for your investor profile and in compliance with the legal investment limits. Details of the fund can be obtained from branches. Please note that funds may lose value, particularly as a result of the following risks: equity risk, interest rate risk, exchange risk and risks associated with the use of derivatives. <br><sup>2</sup> In accordance with applicable legislation, equity investment limits will be observed at all times by the selected investment fund, and will depend on the policyholder's age at the start of each tax year. See details of limits in the product factsheet and in article 3, point a) of the Grand-Ducal Regulation of 25 July 2002 implementing article 111a, paragraph 1 of the income tax act of 4 December 1967, as amended. </p></span> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Advantages" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Advantages</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Flexibility</h3> <ul class="list-check"> <li>Choose the amount and frequency of your premium payments</li> <li>Choose the policy expiry date: you can draw on your savings from the age of 60 up to the age of 75, subject to a minimum policy term of 10 years.</li> <li>Choose how your capital is paid out</li> </ul> </div> <div class="sub-column-50"> <h3 class="title-2">Performance</h3> <ul class="list-check"> <li>With our BIL Pension Vision range, entrust the management of your future pension to our fund managers and, together with your BIL relationship manager, define your investment strategy according to your risk profile.</li> <li>With our BIL Pension Protect range, opt for a risk-free policy with a capital guarantee.</li> <li>You are free to designate your beneficiary(ies) in the event of death.</li> </ul> </div> </div> </div> </div> <!-- section : numéros d'urgence --> <div data-section="How to apply?" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to apply?</h2> <p class="title-1-description">Visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice to open your Wüstenrot mortgage savings plan. For any changes to your contract (e.g. a change in the amount of your savings), contact your BIL relationship manager.</p> <p><a class="btn-default" href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=COMPLEMENTARY-PENSION&utm_content=PAGE-RDV">Make an appointment</a></p> </div> </div> </div> <div class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div> </div>
Flexicavhttps://www.bil.com/en/individuals/products-and-services/save/Pages/flexicav.aspxFlexicav<main> <section class="mission-bigtitre"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/mission-flexicav.jpg" alt=""> <div class="mission-text"> <h1>The roof needs fixing – and I have a plan!<small><br>Flexicav, a different way of saving, at your <span id="mission-bold">pace</span></small></h1> <h2></h2> <a href="#nobg" class="link-arrow scrolltolink" id="mission-scroll">Find out more</a> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#nobg" class="scrolltolink">Advantages</a></li> <li><a href="#fonctionnement" class="scrolltolink">How Flexicav works?</a></li> <li><a href="#testimonials" class="scrolltolink">They have chosen Flexicav</a></li> <li><a href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=C2A&utm_campaign=FLEXICAV&utm_content=C2A-MENU" class="btn btn-white-revert">ARRANGE A MEETING AT YOUR BRANCH</a></li> </ul> </nav> <section class="advantages" id="nobg"> <div class="links-container"> <a href="#" class="brochure-link"></a> <a href="#" class="contact-link"></a> </div> <div class="container"> <div class="row"> <div class="col-md-12"> <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">Choose Flexicav, an innovative investment fund savings scheme that gives you access to <a href="https://finance.bil.com/BilNetFinancePlugin/Market.mvc/Home?lang=en" title="financial markets">financial markets</a>.</p> <p class="body intro-body text-center">When interest rates on savings accounts are very low,<br>Flexicav lets you enjoy greater potential returns.</p> </div> </div> <div class="row row-big-icons"> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-pig.svg" alt=""> <p class="body text-center"><strong>Accessible</strong></p><br> <ul class="list-white"> <li>No minimum investment amount</li> <li>Enjoy peace of mind with automatic payments</li> <li>You can open several different Flexicavs to suit your goals and profiles</li> </ul> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-calculator.svg" alt=""> <p class="body text-center"><strong>Flexible</strong></p><br> <ul class="list-white"> <li>Capital can be accessed at any time.</li> <li>You can decrease, increase, suspend or cancel your payments whenever you like</li> <li>Freedom to choose your payment frequency</li> </ul> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-happy.svg" alt=""> <p class="body text-center"><strong>Attractive</strong></p><br> <ul class="list-white"> <li>No custody fees</li> <li>No entry fees for under-18s*</li> <li>EUR 50 free when your child is born</li> </ul> </div> <div class="row"> <div class="col-md-12"> <p class="text-white text-center"><em>*See in-branch for the entry fees applicable to over-18s.</em></p> </div> </div> </div> </div> </section> <div id="fonctionnement" class="section-default is-small"> <div class="page-wrapper"> <div class="grid-center"> <div class="sub-column-100"> <h2 class="title-1">How Flexicav works</h2> <p><sup class="up-num">1</sup></p> <p>You determine your <b>investor profile</b> with your Relationship Manager (defensive, low, moderate, high).</p> <hr class="hr-class"> <p><sup class="up-num">2</sup></p> <p>You choose the subfund(s) of the <a href="https://bilinvest.com/en/?utm_source=BIL-COM&utm_medium=PAGE_EN&utm_campaign=FLEXICAV" target="_blank">BIL Invest</a> fund that <b>best match your profile</b>.</p> <hr class="hr-class"> <p><sup class="up-num">3</sup></p> <p>You choose <b>how much you</b> want to invest, and <b>how often</b>. <br>And that’s it! We’ll take care of the rest.</p> </div> </div> </div> </div> </div> <div class="separator"></div> <div class="section-default is-small"> <div class="page-wrapper"> <div class="grid-center"> <div class="sub-column-100"> <h2 class="title-1">Why invest at regular intervals rather than all at once?</h2> <p>All <a href="https://finance.bil.com/BilNetFinancePlugin/Market.mvc/Home?lang=en" title="financial markets">financial markets</a> have highs and lows, and the perfect time to buy or sell is never certain. With Flexicav, your investments are spread out over time, giving you a better average purchase price with less risk.</p> <p class="highlight" style="padding-top: 0;"><em>With Flexicav, you don’t have to be an expert. Your investments are managed by professionals.</em></p> </div> <div class="sub-column-100"> <iframe src="https://www.youtube.com/embed/wZIV3NrroSQ?rel=0" width="560" height="315" style="border:none;overflow:hidden" scrolling="no" frameborder="0" allowtransparency="true" allowfullscreen="true"></iframe> </div> </div> </div> </div> <div class="separator"></div> <section class="projects-na" id="testimonials"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Flexicav works for them. What about you?</h1> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/flexicav-dan.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>DAN, DIVORCED, 1 CHILD</h1> <p>I was hesitant about shares and the stock market at first, but when I saw the interest rate for savings accounts I knew I needed a better option. I chose the BIL Invest Patrimonial Defensive fund, so the risk is low. I put EUR 50 into my Flexicav every month.</p> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/flexicav-martine.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>MARTINE, 45</h1> <p>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, and at the end of the parental leave I started paying in again. Super practical!</p> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/flexicav-louis.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>LOUIS, 35, SINGLE</h1> <p>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’m counting on this savings plan to help me make a down payment.</p> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/flexicav-claire.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>CLAIRE, 36, MARRIED, 2 CHILDREN</h1> <p>You always hear a lot about the stock market and finance, but honestly I don’t know a lot on the subject. With Flexicav, I don’t need to worry about anything! I put in EUR 100 every month and I know it will be invested in funds selected by experts.</p> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/flexicav-ben.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>BEN, 41, MARRIED, 2 CHILDREN</h1> <p>Once you know how much business school tuition and student accommodation costs, it makes you look at better ways of saving for your children’s future. As for me, I wanted something other than a traditional savings account, with higher returns. And I found Flexicav!</p> </div> </div> </div> </div> </div> </section> <div class="separator"></div> <section class="interest" id="rdv"> <div class="container"> <div class="row row-register"> <div class="col-md-12"> <h1 class="title text-center">Do you want a Flexicav savings plan or need more information?</h1> <div class="flexbox-center"> <a class="btn btn-violet" href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=CALL_TO_ACTIONutm_campaign=FLEXICAV&utm_content=CALL_TO_ACTION">Make an appointment</a> </div> </div> </div> </div> </section> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div> </div> </main>