Invest with confidence

There are many different ways to invest. BIL’s strength lies in its ability to support every client in the investment world by offering adapted solutions based on trust.

As a universal bank, BIL is in the position to assist all types of clients, from personal customers and investors to business owners living in Luxembourg or abroad. And as expectations vary widely, the Bank has a large range of “in-house” financial products and services, from investment funds catering to all types of investors, to more sophisticated Private Equity or Real Estate products for the more experienced investor. Thanks to its open architecture, BIL can also offer investment products from other financial institutions. For clients looking for more personalised support, the Bank also provides advisory and discretionary management services.

Being a BIL client means having a wide range of financial products and services at your disposal and tailor-made to individual needs.

Response to the current economic climate The European Central Bank steers monetary policy in the euro area. Over the past few years, it has dropped interest rates, which are now below zero. The consequence of this unprecedented situation? Classic savings accounts no

43.7 billion

assets under management as of 31/12/2020

1.1 billion

assets under management with BIL Invest

ESG

4 sub-funds in the BIL Invest range apply an ESG approach

longer pay. Clients looking to increase their savings must turn towards investment solutions which offer a higher potential annual return, but are riskier and need to be mobilised for longer.

Developing a complete range of investment products Every client is unique. As such, BIL’s advisors will provide solutions adapted to an individual’s income, goals, investment horizon and investor profile.

Along with structured products with varying degrees of capital guarantee, BIL offers a diverse investment solution called BIL Invest. Managed mainly by the Bank’s experts, the different subfunds provide access to stock markets and bonds, each with different risk profiles and return prospects. They are easily accessible from a low investment amount and adapted to all investor profiles, from beginners to seasoned investors alike. The Bank’s experts also work with more sophisticated funds, namely Private Equity or Real Estate alternative investments. Reserved for experienced investors, these potentially offer much higher returns. Finally, thanks to the Bank’s open architecture approach, clients have access to funds carefully selected by our experts and managed by other companies.

Alongside these products, the Bank offers investment support to help customers save at their own pace. With Flexicav, monthly investments start from as little as 25 euros. Meanwhile, advisory and discretionary management services are available for customers looking for increased monitoring. The key is to offer services adapted to the individual, thanks to BIL’s support and expertise.

Invest meaningfully For clients wanting to invest sustainably and responsibly, the Bank also offers investments that apply ESG (Environmental, Social and Governance) factors. We’re looking to expand this offer in the future.

This desire to have an impact and make meaningful investments can also be found in the Bank’s range of alternative investments, such as Private Equity funds. With this type of product, investors can invest in the “real” economy, in businesses that will drive tomorrow’s economy, rather than simply purchasing company shares listed on the stock exchange. Again, for a bank like BIL, our strength lies in our ability to adapt and offer products suitable for all investor types.

Investing

To diversify and increase your assets

Planning for the future

To prepare for your future and your retirement

To prepare for your children’s future and finance their education

To prepare for your family’s future in case of unexpected passing

Saving

In case of unexpected emergencies

To put down a deposit on a property purchase

For life’s everyday pleasures