How do I manage my investments?

From the app or the webbanking website on webbanking.bgl.lu, From the menu, select ‘Investments’ then ‘Market Info’.

1. In the search bar, look for a security using its name or ISIN code.
2. Select Buy or Sell, enter the quantity or amount, choose the order type and the account to debit, then confirm.

Good to know: On the website webbanking.bgl.lu, you can refine your search by clicking on ‘Detailed Search’.

From your existing portfolio:

If you already have a securities account, you can place an order directly from your portfolio:

• On the app, in the ‘Investments’ section, select ‘My Portfolio’, swipe the line of the security to display quick actions.
• On the website, select the security held and click Buy or Sell.

Confirmation and tracking:

Before confirmation, you can view:

• The Suitability Statement (if you have an advisory agreement)
• Costs & Charges related to the transaction

After submission, your order is sent to the market as soon as possible.

You can cancel a stock market order remotely from your Web Banking area. From the app or the webbanking.bgl.lu , go to the menu, select ‘Investments’ , then ‘Order Book’ .

1. Find the line corresponding to the order you want to cancel and select it.
2. Cancellation is only possible if the order has not yet been transmitted to the market. In this case, on the website, click ‘Cancel Order’. On the app, swipe the line to cancel.
3. A confirmation banner appears. Select ‘Yes’ to validate your cancellation request.
    

Your cancellation request may not succeed if the order has already been transmitted or executed on the financial market. To check if the cancellation was successful, view the order status in the order book. If successful, the status will show ‘Cancelled’.

You can view your current, completed or cancelled stock market orders directly from your Web Banking area via the app or the webbanking.bgl.lu .Open the menu and select ‘Investments’, then ‘My Portfolio’.

1. Via the ‘Order Book’ button, you will see all current orders as well as completed or cancelled orders within 2 days.
2. Select the order line you want to view for details.
3. Once an order is marked ‘Completed’ or ‘Cancelled’, you can find it by selecting the ‘Transaction History’ button for up to 30 days.

You can view and analyse your portfolio, including your securities account, directly from your Web Banking area, via the app or the webbanking.bgl.lu .Access the menu, select ‘Investments’, then ‘My Portfolio’.

Your portfolio is organised into several views, each offering detailled informatio to better understand the evolution and composition of your investments:

1. Performance of securities: View the evolution of your cumulative performance over time and track the overall valuation of your portfolio.
2. Asset allocation: Analyse the detailed composition of your portfolio by accounts, asset classes or currencies.
   
   

Good to know: If you have chosen advisory management for your investments, you also have access to the risk analysis view. This allows you to assess the risk level of your portfolio based on your investor profile.

You can view a graphical history of your portfolio valuation and track the cumulative performance of your investments directly from your Web Banking area, via the app or the webbanking.bgl.lu. Open the menu, select ‘Investments’ then ‘My Portfolio’, and choose the ‘Performance’ tab.

This tab displays all your securities accounts and cash accounts, with their valuations, as well as realised gains and losses. By tapping on a securities account, you can access position details, including additional information such as average purchase price and gains/losses. To navigate between charts, swipe left on the app or click the arrows below the charts on the webbanking.bgl.lu..

You can customise the display period for your performance by selecting one of the following options:

• Since the beginning of the year
• Last 6 months
• Last 12 months
• Last 3 years

Good to know: On the webbanking website on bgl.lu, you can choose any period within the last 10 years.

You have access to three detailed views that allow you to track the allocation of your portfolio according to different criteria directly from your Web Banking area, via the app or the webbanking.bgl.lu .

Open the menu, select ‘Investments’, ‘My Portfolio’, then choose the ‘Allocation’ tab. To navigate between views. On the app: swipe the screen. On the website: click the arrows below the charts.

1. Allocation by account

View all your securities and cash accounts, with their valuations and weight in your portfolio. Select an account to display detailed positions and relevant informations

2. Allocation by asset class

Track the composition of your investments by category, with clear information on the weight of each asset class in your portfolio.

3. Allocation by currency

View the distribution of your assets by currency for a complete and dynamic overview of your portfolio composition.

Good to know: On the webbanking.bgl.lu, you also have access to additional allocation levels (by sector, geographic area, rating or duration).

If you have chosen an advisory management for your investments, you have access to the risk analysis view. It allows you to assess the risk level of your portfolio based on your investor profile.

Open the menu, select ‘Investments’, ‘My Portfolio’, then choose the ‘Risk’ tab.This section shows the risk level of your holdings, displayed as coloured gauges indicating their risk rating and distribution:

• Green: When the risk level of your portfolio is equal to or below the maximum recommended risk for your profile.
• Red: When the risk level of your portfolio exceeds the maximum recommended risk for your profile.
• Orange: When your investor profile has expired.

Good to know: To view this risk analysis, you must first define your investor profile. If you haven’t completed it yet, an alert message will invite you to do so.

To subscribe to the Direct Invest Clic, an advisory agreement is required. If you already have an advisory offer, it is active, and you can start the subscription. With a non-advisory offer (Direct Invest Access), you must first validate the Advisory Agreement and the pre-contractual document before proceeding.

How to access Direct Invest Clic?

From your Web Banking app, open the menu, select ‘Products’ then ‘Direct Invest Clic’.

Can I simulate my investment?

Yes. By entering a monthly amount and a duration, you can view past performance of the recommended funds based on your investor profile, as well as a comparison with a traditional savings plan.

Note: To view the recommended funds, your investor profile must be completed.

Set up your contract:

To finalise your contract settings, confirm:

• The subscription amount
• The account to debit
• The debit date
• Tap the ‘Subscribe’ button

Read the confirmation page carefully, which summarises your contract details. Open the KIID document to access the confirmation button. Tap ‘Continue’. You have now completed your contract setup.

Sign your contract:

Tap the ‘Sign’ button and authenticate with your LuxTrust credentials to finalise the operation. Congratulations, you have subscribed to the Direct Invest Clic investment fund savings plan!