For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to experience Halloween the way it’s supposed to be, just like she’d seen in the movies. It’s traditional in America for the streets to transform into rows of haunted houses, each more elaborately decorated than the next, and for residents to dress up as all kinds of different characters. This year, to mark the occasion of Shauna’s arrival in Luxembourg, Sophie is planning to invite her to a US-style Halloween.
Investing “made easy” with S-Invest Plus
It’s been a while since Sophie and Marc bought aunt Elise’s beautiful house. Finally, the works are almost finished and they’re getting ready to move in. The costs of the renovation, the mortgage and the interest charges have made Sophie and Marc’s savings dwindle. With Marc’s parents having decided to sell their house in order to live in the South, they have given their children some money. This money, the young couple wants to invest in the family’s future.
Just as they decided to renovate their new house to improve its energy rating, they are looking for an ethical, sustainable investment offering returns that are potentially higher than a traditional savings account.
In their search for the perfect investment, Sophie contacted her Personal Banker at Spuerkeess and made an appointment to discuss the best plan.
Second step: choosing an individual savings plan
Although Sophie and Marc are informed and interested customers, they are looking for a way to invest without too much hassle. Sophie received a lot of information when she attended the annual Stock Market Learning offered by Spuerkeess and she is also very aware of the risks and behaviour of financial instruments.
Wanting to invest EUR 50.000 as a base capital for their future, both opt for the S-Invest Plus product, a savings plan that offers them “tailor-made” options according to their risk profile and sustainability preferences, as well as flexibility in how their savings plan is composed.
Given the ongoing turmoil on the financial markets, their advisor suggests starting with an initial investment of EUR 20.000 and spreading the remaining EUR 30.000 at their own pace over the next few months or even years through a recurring order. This individual savings plan offers the advantage that
Average purchase price
They benefit from the smoothing effect of the average purchase price and can thus offset possible market fluctuations
What is the average purchase price (APP)?With S-Invest Plus: no more excuses for not building up capital!
Sophie and Marc opt for an S-Invest Plus savings plan with a majority of sustainable investments.
S-Invest Plus is made up of products from the lux|funds range managed by Spuerkeess. These funds enable investors to benefit from the long-term performance of the financial markets.
S-Invest Plus: the benefits in a nutshell
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Solutions tailored to the customer’s needs and risk profile
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A comprehensive plan with a variety of investments offering more simplicity and lower costs
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No custody fees
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30% reduction on subscription fees
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Investments starting from EUR 40/month
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A large selection of lux|funds