Goal-based investing

Goalbased investing

BIL is expanding its range of investment services and products and offers solutions adapted to all types of investor profiles, explains Lionel De Broux, Head of Fund Selection at BIL.

What should you consider before investing? The first thing to think about is your investment horizon and projects. My advice is simple: invest with a long-term strategy and only invest part of your wealth which you won’t need in the immediate future…

Instead of placing it all on a quick “lucky strike”, I recommend considering a precise, well-planned strategy. You need to define the investor profile and the investment approach and objectives, as well as establish the level of risk you’re willing to take. There are many different investment products and securities out there, but portfolio diversification is essential – you mustn’t put all your eggs in one basket.

Our advisors are on hand to help clients define these different points and offer them the most suitable services and products. Investors who know exactly what they want can also use the Bank’s services independently. On the other end of the scale, investors can take advantage of our advice and propositions, or decide to fully delegate their portfolio management via a discretionary management mandate.

What products does BIL offer? Our range of investment funds was redesigned three years ago to keep up with the changing investment landscape. Our investment solution, BIL Invest, now covers a variety of asset types and financial markets. First of all, we offer different turnkey sub-funds suited to different risk profiles, from the most prudent to the most dynamic. We also have themed sub-funds which focus on a specific region or asset class. Clients can also build a portfolio by themselves – or with the help of an advisor, if they so wish.

Our experience and performance over the past three years are a quality assurance for our customers. Let’s not forget that these products are “made in Luxembourg”. These are Luxembourg funds whose management company, custodian bank and managers are in the Grand Duchy.

And what about clients who want even more personalisation? We also offer an open architecture approach with our discretionary management and advisory management services. On top of our BIL Invest solution, we offer products and funds carefully selected by our experts and managed by other companies, giving clients access to a wider range of themes and different market trends. Our advisors are there to help mix and match these products effectively.

To sum up, for any investment approach, ideally you would build a diversified portfolio and solid investment base from BIL Invest, and complete it with more specific products.

“Our range of investment funds was redesigned three years ago. Our experience and performance are a quality assurance for our customers.”