EasyInvest

What is it like not to depend on your salary for more than 20 years to the same extent that you now depend on it? Remember, your plans for the future relate to the actions of the present.

Being able to be financially disciplined is learned. EasyInvest, your scheduled subscription can help. You certainly have heard of the effect of compound interest, even Albert Einstein considers it the eighth wonder of the world!

 

Why?

What is it like not to depend on your salary for more than 20 years to the same extent as you now depend on? How does it sound? Join us in the following lines.

1. We set the principles
  • Control monthly expenses:

Be careful how and how much you spend, even if this is not always easy to do. We propose a routine in this regard, which will help you to be part of a discipline from a financial point of view. It is very important to have control over your monthly expenses and we can help you do that. With each scheduled subscription you pay yourself before other expenses.

  • Give value to your financial resources:

If you wonder what is the connection between the scheduled subscription and the "time saving" you will find out that it is quite simple,  with only one visit  to the bank, the money is automatically sent from your account to the chosen investment fund. In other words put the money to work for you.

  • Be patient:

Anything well done needs time.

 

2. We choose

When in doubt about what to choose, choose diversification. It's so simple. Benjamin Graham, a well-known investment consultant of the 20th century, proposes in this respect a suggested minimum weight for shares of 25% and consequently a maximum in fixed income instruments of 75% in his work "Smart Investor". Another tip from this:

  • “Expect volatility and learn to accept it, that means regularity. When the prices of financial instruments are low, you can buy more units with the same amount of money. "

 

Here are the average annual returns recorded by the main investment classes over time:

Class 1926 – 2016 2007 - 2016
Equity 11.1% 7.3%
Corporate bonds 6.0% 6.9%
Governmental bonds 5.5% 6.5%
T-bills 3.4% 0.7%
Inflation 2.9% 1.8%

* Statistical data related to USA, included in “2017 SBBI Yearbook Stocks, Bonds, Bills and Inflation” by Roger G. Ibbotson for the period 1926 - 2016

3. Let's get to work

Go to any BRD - Groupe Société Générale agency and choose the investment fund that suits you.

 

 

Name Currency /
Minimum period
Risc Investment type
FDI BRD Simfonia RON / 1 an Scăzut (2) Investments mainly in fixed income instruments and money market instruments
FDI BRD Euro Fond EUR / 1 an Scăzut (2) Investments mainly in fixed income instruments and money market instruments
FDI BRD USD Fond USD / 1 an Scăzut (2) Investments mainly in fixed income instruments and money market instruments
FDI BRD Obligațiuni RON / 3 ani Scăzut (2) Bonds
FDI BRD Diverso
Class A / Class E
RON/EUR
3 ani
Mediu (4) Diversified
FDI BRD Acțiuni
Class A / Class E
RON/EUR
5 ani
Mediu (4) Equity fund
FDI BRD Global
Class A / Class E
RON/EUR
5 ani
Mediu (4) Equity fund

The risk indicator is calculated according to the ASF Instruction no.5 / 2012 regarding the form, content and presentation of the document regarding the key information for investors in collective investment undertakings in securities: 1 low risk - 7 high risk.

  • You set a scheduled subscription in any of the investment funds: with the amount and period you want.
  • The account will be debited with that amount automatically, on the date set by you, as you have chosen to happen and we will handle that amount to be invested.
  • An image makes as many as 1000 words. Ready to invest? Time is  your mainally: it's good to start using it as soon as possible.

 

 

Source:

Statistical data related to the USA, included in "2017 SBBI Yearbook Stocks, Bonds, Bills and Inflation" by Roger G. Ibbotson for the period 1926 - 2016, processed by BRD Asset Management S.A.I.

 

 

Disclaimer: “The yield used in the example proposed by BRD Asset Management SAI (7% annual average yield) is based on:

 

  • Assignment of assets proposed by Benjamin Graham in the paper "The Intelligent Investor" with the suggested minimum weight for shares 25% and 75% fixed income instruments;

 

  • Statistical data related to the USA, included in the “2017 SBBI Yearbook Stocks, Bonds, Bills and Inflation” of Roger G. Ibbotson for the period 1926 - 2016. The calculation formula is given by the sum of the values ​​obtained applying the weight of 25% to an average 11.1% yield for large-cap stocks (10% / small-call stocks 12.1%) and 75% for 5.5% yield for government bonds.

 

The presented model is strictly exemplary on the basis of statistical data and is not based on information related to the assets structure or the evolution of the Funds Managed by BRD Asset Management SAI. Previous performance is not a guarantee of future results. "

4. To be remembered
  • Go to any BRD agency and express your wish to opt for a Scheduled Subscription in an open investment fund.
  • There is no minimum amount. Break the ice with an amount you're comfortable with.
  • Maybe you change your mind. We would not do it, but to help you with the decision we tell you that there is no period-level constraint. You can always have accumulated amounts without costs or penalties.

 

And, in order to dispel the concern about subscription/redemption commissions, we tell you that no matter what choice you make, you have zero subscription/redemption commissions.

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Why invest

You have the opportunity to get higher returns than other traditional saving products.

How do I become an investor

Do you want to invest? See the three simple steps you need to take.

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