Investment
Grow your capital
You are looking to diversify your savings by taking advantage of stock market returns while optimising your estate planning.
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Our SOLUTIONS
2 Investment solutions that can adapt to your pace and your projects
invest4change
You want to give more meaning your investments by contributing to a more responsible, ecological and social future?
invest4change is a multi-vehicle life insurance contract that you can pay into and withdraw from as you wish through which you can invest, over the medium to long terms, in ethical investment funds that apply a method of securities selection (equities or bonds) integrating ESG (Environmental, Social and Governance) criteria. You can divide your investments between two funds according to your investor profile. From conservative to aggressive, you have the choice of 4 profiles depending on your personal situation, your objectives and your needs.
Conservative profile
Capital protection
- 25% ESG Equities
- 75% ESG Bonds
Balanced profile
A balance between growth and security
- 50% ESG Equities
- 50% ESG Bonds
Growth profile
Attractive yield prospects
- 75% ESG Equities
- 25% ESG Bonds
Aggressive profile
Long-term growth
- 100% ESG Equities
A socially responsible investment strategy
- The integration of ESG (Environmental, Social and Governance) criteria during the investment process.
- Transparency of our investments through regular dialogue with our clients.
- Our commitment to represent your best interests through our investments.
smartlife
You would like to set aside capital and have it grow in order to finance future projects?
smartlife is a multi-vehicle life insurance policy that you can pay into and withdraw from as you wish and consisting of 4 packages. Investments can be allocated between the unit-linked accounts and a vehicle with a guaranteed rate providing significant flexibility.
SMARTLIFE 25
Capital protection
- 25% unit-linked funds
- 75% at a guaranteed rate
SMARTLIFE 50
A balance between growth and security
- 50% unit-linked funds
- 50% at a guaranteed rate
SMARTLIFE 75
Attractive yield prospects
- 75% unit-linked funds
- 25% at a guaranteed rate
SMARTLIFE 100
Long-term growth
- 100% unit-linked funds
Access to different unit-linked investment vehicles
To benefit from interesting yield prospects, you also have access to different funds.
They enable you to invest according to your investment horizon and your risk profile.
| INVEST4CHANGE | Currency | Date | NAV | YTD | 1 year | 3 years | 5 years | |
|---|---|---|---|---|---|---|---|---|
| ESG Bonds at Work | CurrencyEUR | Date08/07/2025 | NAV153.29 | YTD-0.98 % | 1 year0.73 % | 3 years-0.14 % | 5 years-0.2 % | Download details |
| ESG Equities at Work | CurrencyEUR | Date08/07/2025 | NAV242.27 | YTD4.74 % | 1 year6.35 % | 3 years11.34 % | 5 years10.97 % | Download details |
Annualized return in %
| SMARTLIFE | Currency | Date | NAV | YTD | 1 year | 3 years | 5 years | |
|---|---|---|---|---|---|---|---|---|
| ESG Equities at Work | CurrencyEUR | Date08/07/2025 | NAV242.27 | YTD4.74 % | 1 year6.35 % | 3 years11.34 % | 5 years10.97 % | Download details |
| Balanced | CurrencyEUR | Date08/07/2025 | NAV216.41 | YTD-0.35 % | 1 year2.4 % | 3 years4.46 % | 5 years5.13 % | Download details |
| Dynamic | CurrencyEUR | Date08/07/2025 | NAV271.16 | YTD0.4 % | 1 year4.02 % | 3 years7.27 % | 5 years7.92 % | Download details |
| Contrarian | CurrencyEUR | Date08/07/2025 | NAV1150.42 | YTD-0.01 % | 1 year3.85 % | 3 years9.12 % | 5 years9.73 % | Download details |
Annualized return in %
Key features
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Invest4change
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Smartlife
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Aligned with your values
Socially responsible investment (SRI), through invest4change you invest with awareness to protect the world in which we live.
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Product awarded
A product with a label that is based on an investment strategy strictly approved by professional associations specialising in this area.
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Estate planning
You are free to appoint the beneficiaries of your policy in the event of death, a choice you can amend at any time free of charge.
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Attractive potential returns
Depending on your investment horizon, smartlife and invest4change offer you many opportunities to grow your savings through its different investment funds (possibility to choose ESG funds) or its guaranteed-rate vehicle.
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Your money remains available
You can withdraw all or part of your savings at any time free of charge.
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Flexibility
You can switch between funds if you want to change the allocation of your investments.
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No exit tax on your savings
Your capital payable when the policy matures or in the event of a partial or total exit is tax exempt.
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Responsible management
The management of your savings is ensured by CapitalatWork, a team of experienced asset managers. They aim to strike the right balance between risk and yields so as to profit from performance on the financial markets.
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Optimum protection of your savings
Luxembourg life insurance policies provide unlimited security on the deposited assets. The capital of your policy is separated from the assets of the insurance company and the custodian bank. This “super-privilege” enables you to recover your assets ahead of any other creditor of the company.
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Included
Not included
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As an insurer, our role is to guide you towards the type of coverage most suited to your daily activities so that you feel fully protected.
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