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Direct Invest Clic: Your regular financial savings in just a few clicks

With interest rates and returns on bank savings products low compared with inflation, we have the ideal solution to boost your savings.

Saving lets you deal with contingencies while building capital to finance your medium-to-long-term projects, such as sending your children to university, planning your retirement, making lifestyle changes, etc.)

Do you have plans and want to save efficiently? Are you looking for dynamic returns that closely follow the performance of financial markets?

Direct Invest Clic is a turnkey financial savings product that lets you make scheduled payments into an investment fund. With complete autonomy through your Web Banking app, you decide on the amount and the fund in which you wish to invest. The recommended fund selection reflects your investor profile and risk level. This enables you to benefit from the fund expertise of BNP Paribas Asset Management.

With Direct Invest Clic, our first recommendation becomes your first investment.
 

Direct Invest Clic: What are the benefits?

  • Ease: Sign up directly through your Web Banking app,
  • Flexibility: Invest at your own pace – and from as little as €50/month – on a fully automated basis,
  • Simplicity: Choose from the funds recommended on the basis of your investor profile,
  • Peace of mind: Invest in the sustainable economy (our fund range takes ESG and SRI criteria into account),
  • Economy: Enjoy attractive rates, paying only the management fees intrinsic to the fund(1) (no arrangement fees, no entry/custody/exit charges),
  • Flexibility: Adjust, suspend or sell your savings plan at any time with your financial advisor(2),
  • Autonomy: Track your portfolio’s progress directly through your Web Banking app.

Good to know

compte bancaire en ligne PCC

BGL BNP Paribas invites you to complete your investor profile, which will be used as a basis for investments, on the Web Banking app. This questionnaire is used to identify the funds best suited to your situation, according to amount of risk you’d like to take.

Direct Invest Clic

How to sign up to your fund savings plan on the Web Banking app

1
Validate the Advisory Agreement
The process includes investment advice
2
Choose the investor profile
The investor profile is used to classify your level of risk, which determines the recommendation
3
Configure the Direct Invest Clic contract
Amount and choice of fund recommended on basis of investor profile
Validate the whole process through your Web Banking app

Which investment funds for Direct Invest Clic?

Based on your investor profil

Current recommended fund selection

  • Moderate risk profile:

Generalpart 1 World Sustainable

 

  • Advanced risk profile:

BNPP Sustainable Multi-Asset Growth

 

  • High risk profile:

BNPP Climate Change

In practice: Why opt for saving in an investment fund?

If you had invested EUR 100 per month in Generalpart World Sustainable – the fund recommended for a moderate profile – over a period of 15 years, your total savings would now be EUR 22,257.
Over the same period, the same amounts paid into our savings account would have grown to EUR 18,504. (investments made between October 2007 and September 2022)
 

Past performance is not an indication of future performance. Investing in funds carries a risk of capital loss. (Cumulative net performance of the Generalpart World Sustainable fund to 30 September 2022: over 1 year: -11.57% / over 3 years: -0.55% / over 5 years: -1.74%, source: BNP Paribas Asset Management)

Do the simulation yourself on the Web Banking app and discover the potential growth from an investment plan that reflects your investor profile.

It’s clear, simple and fast!

Did you know ?

The capital invested is not guaranteed and shares are resold at market conditions. We recommend that you maintain your investment over the horizon determined at the time of subscription, when you created your Investor Profile, so as to achieve your objectives.
You're not locked in, however, and can sell your securities portfolio at any time with the help of your Financial Advisor.

In summary:

Homme qui est en train de faire un investissement PCC
  • Greater diversification of savings
  • A clearly identified level of risk for each fund
  • Managed by specialists
  • Performance that reflects market developments
  • Easy access to international markets
  • Attractive returns
  • Access to SRI funds to contribute to a more sustainable economy

Key points

Since the products are linked to the financial markets, their value may fall as well as rise. A risk of capital loss.

We know that it isn’t easy to make your first investment decision.
With Direct Invest Clic, you start to invest based on an affordable amount.
Little by little, you build up capital without realising!

As they say, time is money! Wait no more if you want to achieve your goals. Give it a try!
 

(1) Management fees intrinsic to the fund are taken directly from the fund’s net asset value (between 1.27% and 2.68% depending on the fund in question)
(2) Practical changes to Direct Invest Clic should be handled with the branch advisor.

Investing in an investment fund exposes you to a risk of capital loss 

The information shown on this webpage does not constitute a recommendation or investment advice. This webpage does not claim to provide an exhaustive description of the investment services to which it refers, nor of certain associated risks. A decision to invest may not be taken solely on the basis of this document and should only be taken after careful analysis of all its characteristics and associated risks (as described in the Investor Guide after having obtained all the necessary information). If you feel it necessary, BGL BNP Paribas would encourage you to contact professional advisors, including tax advisors. BGL BNP Paribas Société Anonyme, having its registered office at 50 avenue J.F. Kennedy, 50, L-2951 Luxembourg, as a credit institution, is subject to regulation and supervision by the Commission de Surveillance du Secteur Financier (CSSF), 283 route d’Arlon, L-1150 Luxembourg. For more information on the funds presented, please refer to the KIIDs and prospectuses available in branch or at bgl.lu/en/kiid and www.bnpparibas-am.lu