Formula «capital guaranteed».offered by Baloise Vie Luxembourg S.A.

Savings are booked in euros with La Bâloise Vie Luxembourg, which invests them in the financial market. La Bâloise guarantees the capital. The interest so credited by Bâloise Vie Luxembourg depends on the yields and performance of the bond market.
It is made up of two elements, the first (1) being guaranteed, and the second (2) linked to the financial results of the insurer.

1) The guaranteed rate level set by the regulator is periodically adjusted depending on the evolution of the bond market.

2) The second rate is variable and set by La Baloise, as a share of its yearly financial results.

Les 5 fonds Bâloise Eticx* sont des fonds répondant à des critères de gestion environnementaux, sociaux et de gouvernance (dits « critères ESG »). Ils ont pour objectif d’éviter un impact négatif de vos placements au niveau écologique, social et des règles de gouvernance. Ils se distinguent les uns des autres par la répartition entre actions et obligations de leurs portefeuilles.

Carmignac Sécurité A EUR Acc

The purpose of this investment fund is to yield a better performance than the “capital guaranteed” option, while introducing a low risk of capital loss. This fund invests mainly in EUR-denominated bonds with a 1 to 3 years remaining lifetime. The volatility of this fund is much lower than the volatility of a regular bond investment fund.

BL Global Bond Opportunities B

The fund invests principally in bonds issued in the currencies of the leading industrialised countries. In addition, some 20% of the assets are invested in emerging market bonds. On average the compartment is invested by about ¾ in the euro zone and by about ¼ in the dollar zone. Its key objective is to achieve a regular income, while limiting volatility.

BL Fund Selection 0-50 B

The aim of this fund is long-term capital appreciation via a diversified portfolio of bonds and equities, while targeting lower volatility than the equity markets. This flexible fund of funds has no geographical, sector or monetary restriction and invests mainly in UCITS and other UCIs. The proportion of investments in the various asset classes will depend on market circumstances. The maximum equity weighting permitted is 50%.

BL Fund Selection Equities SRI B

This fund has a minimum net equity exposure of 75% and invests in UCITS and other UCIs with no geographical, sector or currency restriction. The remaining assets may be invested in bond funds, cash or any other type of listed securities. The focus is on international diversification of investments and flexibility in terms of themes and sectors that may potentially be present within the fund.

BL Global Equities B

This fund of funds invests 75% to 100% of its assets on single stocks of the worldwide markets. Banque de Luxembourg will define the country and sectorial splitting of the portfolio, as well as the single stock picking. For some specific sectors and countries Banque de Luxembourg may use external asset managers for the stock picking.

Past performances do not constitute a guarantee for future performances.