Regulated savings and investment solutions, built with your adviser according to your wealth situation and investment horizon.
Our products
From regulated savings to stock market investing, find the product that matches your objectives.
Liquid savings
The B.A.I.F Savings Account is a liquid savings product, available at any time within a secure framework. The applicable rate is set according to market conditions and reviewed periodically.
Key benefits
Limit
No limit
Recommended duration
No minimum duration
Taxation
Tax efficient savings
Ideal for property projects
Gradually build a down payment for a property project. The rate is set at opening according to current conditions, within the regulatory framework applicable to the Housing Savings Plan.
Key benefits
Limit
£61,200
Recommended duration
4 to 10 years
Taxation
Tax efficient after 12 years
Long-term wrapper
A long-term investment framework with a specific tax wrapper for wealth transfer and savings accumulation. Includes a euro-denominated fund and unit-linked supports, depending on your risk profile.
Key benefits
Limit
No limit
Recommended duration
Recommended 8+ years
Taxation
Allowance £4,600/£9,200 after 8 years
Product invested in unit-linked supports: capital is not guaranteed and remains subject to fluctuations in the financial markets. No commitment of return.
Immediate tax benefit
Deduct your contributions from your taxable income today and build retirement capital invested in the best global asset classes.
Key benefits
Limit
10% of N-1 income (max £35,194)
Recommended duration
Until retirement
Taxation
Deductible at entry
Product invested in unit-linked supports: capital is not guaranteed and remains subject to fluctuations in the financial markets. No commitment of return.
European stock market
Invest in the stock market in European equities with capital gains tax exemption after 5 years. The best wrapper for long-term equity investors.
Key benefits
Limit
£150,000
Recommended duration
Recommended 5+ years
Taxation
Capital gains exempt after 5 years
Product invested in unit-linked supports: capital is not guaranteed and remains subject to fluctuations in the financial markets. No commitment of return.
Personalised advice
Every profile is unique. Our wealth advisors analyse your tax situation, objectives and investment horizon to recommend the optimal product combination.
Wealth assessment as part of the onboarding process
Applicable tax framework according to your situation
Annual monitoring and rebalancing
Access to regulated investment solutions subject to validation
Speak with an adviser to build the savings solution suited to your situation and your investment horizon.