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Discover the Generalpart World Sustainable investment fund

Discover the BNP Paribas Healthcare Innovators investment fund

Discover the BNP Paribas Disruptive Technology investment fund

This is a period full of uncertainty but there are plenty of opportunities on offer too. Florian Serrurier, Head of the BGL BNP Paribas Invest Expertise Centre (CEI), answers your questions on how to save and invest in accordance with your profile.

Public health crisis: is now the right time to invest? 

Interest rates have been extremely low for a number of years. Risk-free savings products, such as traditional savings accounts, struggle in such conditions. Yields dwindle. Ultimately, each euro you save loses value by the day.

Good to know

Risk-free savings don’t even keep pace with inflation any more. In 2019, inflation in Luxembourg stood at 1.7% whereas the return on risk-free savings averaged out at 0.10% (1). To put this another way, an item you purchased for EUR 100 on 1 January 2019 would have cost you EUR 101.70 a year later, whereas your savings would only have grown from EUR 100 to EUR 100.10 over the same period. The result is a net loss of purchasing power.

The public health crisis we are living through will inevitably prolong this environment of low interest rates. So it’s vital to ask yourself the following questions now:

  • How can I ensure that my savings don’t lose value?
  • How can I grow my capital?
  • How can I prepare for my financial future?

Easinvest – the ideal investment in a crisis

The BGL BNP Paribas Easinvest solution allows you to invest your money gradually. This is ideal if:

  • you are a novice investor looking to invest in the stock market for the first time;
  • the market outlook is uncertain, as is the case right now.

Available from as little as EUR 50 per month, this solution enables you to build up your capital through regular, automatic investments in a range of funds tailored to your risk profile, selected in advance based on the following three themes:

Investing responsibly

Investing in socially responsible funds helps create value not just for you as a saver, but for society as a whole.

We offer several socially responsible funds:

  • Generalpart 1 World Sustainable;
  • BNP Paribas funds (BNP Paribas Aqua, BNP Paribas Smart Food and BNP Paribas Climate Impact).

Growing your assets  

We have selected a range of funds to help you build your first financial savings portfolio and grow your capital while taking account of your risk profile.

Investing by region

Our selection of funds provides you with access to shares from major companies with strong financial credentials and potential profits.

By investing your money at a pre-determined rate, you will counter the effects of market fluctuations. That way, there’s no need to worry about whether or not it’s a good time to invest:

  • in a rising market, the total value of your portfolio will increase;
  • in a falling market, you’ll make the most of opportunities to buy securities at bargain prices.

Investing during the crisis: a danger or an opportunity?

With some assets trading well below where they were just a few months ago, it may seem tempting to invest in the current context. However, the fact that an asset’s price has fallen sharply does not guarantee gains in the medium or long term. In fact, there are many other factors to take into account.

Alternatively, the crisis may have left you feeling wary and you may prefer to put off investing. This attitude is risky too, though, because you could miss out on opportunities.

Tailored investment advice from the experts at Invest (CEI)

If you want to invest during the crisis, it’s more important than ever to seek guidance. Our advisors at the Invest Expertise Centre (CEI) can help you find the right investments for you by drawing up a strategy based on your goals, your investor profile and the current circumstances.

With assistance from Invest experts, you will have access to opportunities that would not be available to you if you were to select investments on your own. Structured products, for example, can be designed to meet very specific needs and aims.

Which sectors will come out on top after the COVID-19 crisis?

It stands to reason that the healthcare sector is one to watch.

Even if we set the pandemic to one side for a moment, demand for healthcare is growing faster than the rest of the economy for a number of reasons:

  • demographic changes;
  • an increase in life expectancy and quality of life;
  • technological innovation;
  • urbanisation and rising GDP in emerging markets.

Analysts expect worldwide healthcare expenditure to increase by USD 1 trillion by 2050 and this figure could be even higher in the wake of COVID-19.

Opting for an investment fund with a healthcare focus

To help you make the most of these opportunities, we offer the BNP Paribas Health Care Innovators investment fund, selected by BNP Paribas Asset Management specialists.

The aim of this fund is to benefit from the expected growth in the healthcare sector by investing in innovative themes with a broad scope and a substantial economic and social impact.

What types of financial investment will the market value highly after the crisis?

The key concerns since the start of the crisis have been protecting the environment, climate change, questions linked to consumer spending and production patterns, and compliance with social and hygiene rules.

This suggests that Socially Responsible Investment (SRI) is likely to become even more important in future. This type of investment involves selecting assets based on environmental, social and governance criteria, as well as their potential returns.

When you invest in SRI funds, you can save money while limiting certain types of risk, safe in the knowledge that your investments are making a difference by fostering the development of companies that incorporate sustainability factors into their growth model.

Investing your money responsibly

Almost 50% of the funds offered by BGL BNP Paribas are classed as “SRI” funds and our entire range meets environmental, social and governance (ESG) criteria based on the 10 principles of the United Nations Global Compact.

For example, our Generalpart World Sustainable invests in sustainable companies that have a certain financial appeal as well as a high-quality environmental, social and governance framework.
This flagship of our fund range is well-regarded on the Luxembourg financial market as a result of its strong track record.

Documentation ()

(1) Source Statec.

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 S.A, with its registered office at 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.