S-Invest

A strategy for investing in BCEE SICAVs

S-Invest: An alternative to classic savings

Are you looking for an attractive alternative to traditional savings? Then why not begin to save via regular investments in BCEE funds (Sicav)? Indeed, experience has shown that a long-term investment in financial markets yields a better return than a savings account.

S-Invest offers the possibility of investing every month a fixed amount in a BCEE Sicav. You can decide among a large selection of BCEE Sicav in order to ensure the perfect match with your risk profile (money market, fixed income, mixed or equity funds).

There are multiple advantages when investing in a BCEE Sicav:

  • Risk diversification
  • Professional management
  • Liquidity
  • Individual solution in line with your risk profile

S-Invest and the concept of cost averaging

By investing in a Sicav through fixed regular payments, you benefit from a smoothing of the cost price ("cost averaging"). When prices are low, you buy a large number of shares for a given amount invested. At a high NAV - net asset value - you buy fewer shares in the Sicav for the same amount.

The cost-averaging strategy favourably affects the long-term average of prices paid by balancing out their fluctuations.

S-Invest to finance your projects

Saving is never an end in itself but often a necessary condition for making a dream come true.

Small amounts regularly saved can facilitate and accelerate implementation of your projects, thanks to the capitalisation of gains.
So what is your dream?

To simulate your investment strategie with S-Invest, please click here

Example, by investing EUR 200 each month over 20 years in an equity fund (at an assumed growth rate of 5%), you will build up more than EUR 80,000 in capital to finance your children's studies.

This illustration is for information only ; the data and assumptions included in it are not binding on BCEE in any way whatsoever. Customers should refer to the S-Invest contract of the SICAVs they hold, and to the particulars of the investment policies in the current prospectus and annual/half yearly reports.

The current example is for information only and the data and assumptions used are not binding on BCEE in any way. The customer should refer to the S-Invest agreement and the prospectus and most recent annual/half-yearly reports in respect of the investment policies for the Sicav chosen.

S-Invest - in brief

  • Flexibility - Ease of use
    • Minimum payment of EUR 40 a month
    • Possibility of excluding certain months
    • Large choice of underlying Sicav
    • Choice of beneficiary (for example yourself or your child
  • Attractive terms
    • Sicav subscription fee : 50% discount on the standard fee
    • Remption fee : free
    • Redemption : immediate
    • Safe custody fees : free
  • An alternative to classic savings
  • Interesting tax advantages

Check the list of BCEE SICAVs eligible for S-Invest.