How do I manage my investments?

Whether from the app or the website webbanking.bgl.lu: from the menu, select ‘Invest’, 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 ‘Invest’ section, select ‘My Portfolio’, swipe the security line 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. Whether from the mobile app or the website webbanking.bgl.lu, go to the menu, select ‘Invest’, 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 . To do so, from the menu select ‘Invest’, 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.

Four main views of your portfolio

From the app, you can consult and analyse your portfolio, including your securities account. Here is everything you can view and how to access it.

Access your portfolio

1. From the menu, select ‘Invest’, then ‘My Portfolio’.
2. You will find an overview including:
    

• the total valuation of your portfolio;
• the available cash;
• the performance of your holdings.

Four main views of your portfolio

Your portfolio is organised into four views, each offering detailed information to better understand the evolution and composition of your investments. These views allow you to track:

• Securities performance: view the graphical evolution of your cumulative performance over time and track the overall valuation of your portfolio;
• Asset allocation: analyse the detailed breakdown of your portfolio by accounts, asset classes or currencies;
• Risk analysis: assess the risk level of your portfolio based on your investor profile;
• Sustainability analysis: assess the sustainability level of your portfolio based on the preferences expressed in 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. To do so, from the menu select ‘Invest’, 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 . To do so, from the menu select ‘Invest’, then ‘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.To do so, from the menu select ‘Invest’, then ‘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.

If you benefit from an advisory agreement or discretionary management, the ‘Sustainability’ tab allows you to view the sustainability level of your portfolio relative to your preferences, thanks to a gauge:

The sustainability gauge:

• Green: when your sustainability objective is met
• Orange: when your sustainability objective is not yet met

Alignment message:
A message indicates whether your portfolio is aligned or not aligned with your sustainability preferences.

Direct access to your sustainability preferences:
You can view and modify your sustainability preferences.

Breakdown of your holdings by sustainability objective:
By swiping, you can consult the portfolio allocation based on your sustainability preferences.

You can simulate your investment project from your Web Banking area (via the app or the website webbanking.bgl.lu). To do so:

1. In the menu, select 'Products';
2. Then 'Investments';
3. Choose 'My Mandate'.
    

To obtain a personalised simulation, it is recommended that you first define your investor profile (you can do this from your Web Banking area or with the support of an adviser in a branch).

1. Define your investment project 

Specify:  

• the amount of your initial contribution;
• the frequency and amount of your contributions;
• your investment horizon;
• the financial goal you wish to achieve.

2. Choose your investment strategy

A personalised investment strategy is recomended based on your investor profile. You can choose from 5 strategies:

• Bonds: corresponds to a Low risk profile.
• Conservative: corresponds to a Moderate risk profile.
• Balanced: corresponds to an Advanced risk profile.
• Dynamic: corresponds to an Advanced risk profile.
• Equities: corresponds to a High risk profile.

You can compare the 5 strategies and choose the one that best suits you.

3. Have you found an investment strategy that suits you but does not allow you to reach your objective?

Genius supports you and proposes personalised adjustments to your contributions to optimise your chances of success while maintaining your chosen strategy.

4. Finalise the setup of your mandate

Once you have selected your investment strategy, schedule a phone appointment with a dedicated adviser. This appointment will allow you to validate your strategy, confirm the details of your project and finalise your subscription to My Mandate. Once your mandate is set up, the portfolio managers build and manage your portfolio.

Once your My Mandate product is available, you can view the evolution of your mandate at any time from your Web Banking  area (via the app or website webbanking.bgl.lu).

1. Log in to your Web Banking area.
2. From the home page, click on the sequence of digits displayed at the top of your screen corresponding to your account root.
3. Then select the account root labelled 'My Mandate'.
4. You will access the interface dedicated to your investment mandate.
5. Go to the Invest section: in the app, tap 'Invest'; on the Web Banking website, click 'nvestment'.
6. Select 'My Portfolio' to view your My Mandate investments, their evolution and performance.

You can generate a management report for your mandate at any time by selecting the desired analysis period.

To do so, access your My Mandate interface by following the path described in the FAQ 'How can I monitor my My Mandate investments?', then: 

• From the website webbanking.bgl.lu, click the three-dot button (located to the right of your currency), then click 'Generate management report'.
• From the Web Banking app, tap the '+' button (green circle located at the bottom right of the screen), then select 'Generate a management report'.

You can view your mandate characteristics at any time. These include:  

• the amount of your initial contribution;
• your management fees;
• the activation date;
• your contract number;
• the status of your contract. 

To do so, access your My Mandate interface by following the path described in the FAQ 'How can I monitor my My Mandate investments?', then:

• From the website webbanking.bgl.lu, click the three-dot button (located to the right of your currency), then click 'Characteristics'.
• From the Web Banking app, tap the '+' button (green circle located at the bottom right of the screen), then select 'Characteristics'. 

You can monitor the progress of your investment project at any time. If a project has been defined, a progress indicator allows you to visualise your progress towards your objective. 

To do so, access your My Mandate interface by following the path described in the FAQ 'How can I monitor my My Mandate investments?', then: 

• From the website webbanking.bgl.lu, click the three-dot button (located to the r.bgl.lu,ight of your currency), then click 'Projections'.
• From the Web Banking app, tap the '+' button (green circle located at the bottom right of the screen), then select 'Projections'.

Your mandate is active and you would like to make a one-time contribution, set up a regular contribution or modify/stop an existing contribution?
All these operations can be carried out from your main account root in the Transfers section. 
You can initiate, modify or stop your contributions according to your needs and objectives.

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, from 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!