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.

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!