Investment approach
Developed in-house, our investment strategy is based on proven principles rooted in common sense, and applied consistently and rigorously.
Contact
All along the COVID-19 health crisis, we have been taking precautions to guarantee the well-being of our visitors and our staff. We recommend to:
- Contact your adviser by phone or by secure mail, or to make an appointment on our premises,
- Use our e-banking services or our mobile banking application available 24/7, to check your accounts, make payments, check fund performances and read the latest news from Banque de Luxembourg.
Contact
We have taken all the necessary health and safety precautions in order to ensure continuous service. Where possible, please contact us by phone or via our secure digital channels. If you would like speak to your adviser, we recommend making an appointment in advance.
Brussels
Chaussée de La Hulpe, 120 – 1000 Brussels
Ghent
Rijvisschestraat 124 – 9052 Ghent
My account online
Select an authentication mode
AS OF 4 MAY 2020, YOU MAY NO LONGER CONNECT TO YOUR E-BANKING AREA USING THE FOLLOWING AUTHENTICATION METHODS: LuxTrust TOKEN, SmartCard, Signing Stick Please use either the LuxTrust Scan device or the LuxTrust Mobile app.
You may now install and activate LuxTrust Mobile on your smartphone and/or activate the LuxTrust Scan device provided by your adviser.
You may now install and activate LuxTrust Mobile on your smartphone and/or activate the LuxTrust Scan device provided by your adviser.
My account online
Select an authentication mode
AS OF 4 MAY 2020, YOU MAY NO LONGER CONNECT TO YOUR E-BANKING AREA USING THE FOLLOWING AUTHENTICATION METHODS: LuxTrust TOKEN, SmartCard, Signing Stick Please use either the LuxTrust Scan device or the LuxTrust Mobile app.
You may now install and activate LuxTrust Mobile on your smartphone and/or activate the LuxTrust Scan device provided by your adviser.
You may now install and activate LuxTrust Mobile on your smartphone and/or activate the LuxTrust Scan device provided by your adviser.
Whatever your plans: preparing for retirement, financing your children's education or simply investing your spare cash, the B'SAVE savings solution is the best way to achieve it.
Enhance returns on your savings with B'SAVE
Advantages of B'SAVE
1. Performance
You get access to the financial markets, selecting from four available orientations. Each orientation corresponds to the profile of a Banque de Luxembourg investment fund.
When you invest in B'SAVE, you do not pay a holding fee and there are no entry or exit fees.
If you had invested €10,000 in 2010 in B'SAVE,
what would you have gained in 2019 for each orientation?
Conservative
In 2019* you would have
€12,500
Balanced
In 2019* you would have
€15,500
Dynamic
In 2019* you would have
€19,900
Growth
In 2019* you would have
€24,000
* Annualised performance net of fees over 10 years from 01/01/2010 to 31/12/2019 of each of the underlying 4 funds: BL Global 30 (Conservative), BL Global 50 (Balanced), BL Global 75 (Dynamic) BL Global Equities (Growth), accepting a certain fluctuation in value. Past results are no guarantee of future performance. Every investment involves risks which may include loss of capital.
2. Simplicity
The return on your investments in B'SAVE depends on the performance of the fund corresponding to the orientation you selected. Each orientation is linked to a level of risk. You can change your mind whenever you want.
You determine the amount you want to save and frequency of payments (monthly, quarterly, annual). There is no minimum investment.
3. Flexibility
You can withdraw your money at any time and you can increase, reduce or suspend your payments whenever you want, with no fees.
You can switch orientation whenever you want, without any constraints.
What would your return have been in 2020?
See the annualised performance net of fees of the 4 funds
between 1 January and 30 June 2020 for each orientation.
+1.42%
Conservative
BL Global 30
+0.85%
Balanced
BL Global 50
+0.10%
Dynamic
BL Global 75
-5.63%
Growth
BL Global Equities