Flexinvest investment plan: invest small, think big

  • From just €30 a month
  • Invest automatically at regular intervals
  • Spread your investments across investment funds*

What is Flexinvest?

Flexinvest is BNP Paribas Fortis’ accessible investment plan. You automatically invest a fixed amount from as little as €30 a month in an investment fund* of your choice. You can open your investment plan yourself online or with the help of an advisor. 

  • You decide how much and how long you want to invest.
  • No need to follow the markets yourself.
  • Pause or stop your payments whenever you like.

* Investment funds, also known as collective investment undertakings (CIUs), pool money from different investors and invest it in a mix of shares, bonds and/or other investment products. Through your Flexinvest investment plan, you buy units in the fund (also referred to as shares or participations).

Is regular investing with Flexinvest right for you?

Investing smaller amounts regularly can be a smart choice for almost anyone, especially when markets are volatile.

  

  • Regular investing

    No need to worry about the right time to invest. By investing a fixed amount regularly, you automatically buy more units when prices are low and fewer when prices are high, helping you average out your purchase price.

  • Convenience and peace of mind

    No need to build your own portfolio, monitor the markets or place transactions. Simply choose how much you want to invest, when and in which fund — the fund manager takes care of the rest.

  • Instant diversification

    Your money is invested in a mix of shares, bonds and/or other investment products. This spreads your investment across different companies, sectors and/or regions, helping to reduce risk.

  • A wide choice of funds

    Start by deciding how long you want to invest and how much risk you’re prepared to take. Then choose a fund that matches your goals. Need advice? We’re here to help. Simply book an appointment.

  • A flexible investment plan

    Using Easy Banking App or Easy Banking Web, you can pause or stop your payments, buy or sell units, or (via Easy Banking Web only) change the amount of your regular payments at any time. You’re always in control of your investment plan.

WHAT YOU SHOULD KNOW

Before you start with Flexinvest

Investment account

You’ll need an investment account for the bank to hold your investments. Don’t have one yet? Open one in the app or online.

Open investment account

Open it yourself online?

Make sure you understand what you’re investing in. Explore our investment funds and read each fund’s Key Information Document (KID) before you invest.

Choose a fund*

* You cannot invest in a pension savings fund through Flexinvest.

Personal advice

Need advice? Our advisors are available to help you choose investments that match your financial situation, goals, attitude to risk and expected returns.

Book an appointment

Costs and taxes

When you invest regularly with Flexinvest, you’ll pay costs linked to the investment funds you choose. Full details of these costs, together with the potential return after costs have been deducted, can be found in each fund’s Key Information Document (KID). Taxes may also apply when you sell your units. You can find more information in the fees brochure.

View the fees brochure

Key risks

Regular investing also involves risks. You’ll be investing in funds without a capital guarantee, so their value can go up or down. This means you could lose some or all of your investment. Only invest money you won’t need for some time and make sure you have emergency savings to cover unexpected expenses. This can help you avoid having to sell your investments at a loss.

Read the information sheet

IN 3 STEPS

Open a Flexinvest plan yourself

  1. Go online or use the app

    Click the button below or go to Easy Banking App > Offers > Savings and investments > Regular investing.

  2. Choose a fund

    Choose one of the listed funds or use the search options in Easy Banking App or Easy Banking Web to find another.

  3. Plan your investments

    Choose how much to invest each month and when to start. Sign up digitally and start your Flexinvest plan.

Want to start investing automatically?

Invest automatically with Flexinvest
How does an investment plan work?
An investment plan for everyone
Want to invest for the future without a large lump sum? Then Flexinvest could be the plan for you.
How do investment funds work?
Regular investing in funds
When you invest, you buy units in a fund. These are also known as shares or participations.

Frequently asked questions about Flexinvest

An income fund (also called a distribution fund) pays any income out in cash, while an accumulation fund automatically reinvests it.

  • With an accumulation fund, you may benefit from a compound return effect.
  • With a distribution fund, you receive regular income payments, also known as passive income.

Investing involves risks. Returns are not guaranteed and you could lose some or all of your investment. Income payments and reinvested returns depend on market conditions, among other factors, and may be zero.

The compound return effect, also known as compound growth, is the snowball effect that can occur when any returns are automatically reinvested (through an accumulation fund). This means you may earn returns on both the money you’ve invested and any reinvested returns, helping your investment grow faster over time.

Dollar-cost averaging (DCA) is the English term for regular investing. You invest a fixed amount at regular intervals, regardless of the fund’s value, helping you average out your purchase price over time. In Europe, you may also come across the term euro-cost averaging (ECA).

Yes. Investing as little as €30 a month through a Flexinvest plan can still make sense.

  • Depending on the performance of your chosen fund, you may build up a worthwhile amount over time.
  • It’s an accessible way to become familiar with investing.
  • Everything happens automatically, making it easier to avoid impulsive decisions, such as selling too early when markets fall or investing when prices are at their highest.

That depends on market performance and the level of risk of your chosen fund. Each fund’s Key Information Document (KID) includes examples of possible returns under different market conditions. Past performance is not a reliable indicator of future results.

With Flexinvest, any time can be a good time to start investing. When investing, time in the market is often more important than trying to time the market. By investing over a longer period, you can often reduce the impact of investing at an unfavourable moment. It’s generally better to focus on long-term growth than short-term gains.

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