Academic mock-up — Auxo Banque is an entirely fictional institution, built as part of a graduate thesis. It does not correspond to any real bank. No data entered is transmitted or stored.

Home/ Our solutions/ Investing

Investing

Invest while understanding the risk you take.

Investments, stocks, bonds, funds, risk management and responsible investing: eight approaches explained before they are offered.

See the approaches Define my profile
  • Risk profile set before any proposal
  • Horizon and liquidity specified
  • No guaranteed performance
Available solutions

Eight approaches, from the most cautious to the most exposed.

Each sheet states the risk level, the advised horizon and the expected liquidity.

Investments

The entry point for investing, based on your horizon and profile.

See details →

Stocks

Investing directly in listed companies.

See details →

Bonds

Lending to a government or company for a regular return.

See details →

Funds

Delegating stock selection to a professional manager.

See details →

Portfolio management

A consolidated view of all your investments.

See details →

Investment advice

A conversation with an adviser before any significant decision.

See details →

Responsible investing (SRI)

Aligning investments with environmental and social criteria.

See details →

Risk management

Understanding and adjusting the risk level of your investments.

See details →
Who is it for?

Find the profile that matches you.

Individual

Put already-built savings to work.

 Student

Discover investing through small diversified amounts.

 Sole trader

Arbitrate between reinvesting and placing funds.

 Business

Frame the exposure of placed treasury.

 Entrepreneur

Diversify wealth concentrated in one company.

 Investor

Build an active, monitored allocation.

 Non-profit

Place funds consistently with the organisation’s purpose.
Investor Individual

Investments

The entry point for investing, based on your horizon and profile.

Investments cover the full range of products on offer, selected after assessing your risk profile and time horizon.

Benefits

  • Guided selection based on your risk profile
  • Access to several asset classes from one place
  • Online performance tracking

Who is it for?

Individuals and investors wanting to grow their capital.

How it works

  1. 1

    Risk-profile and horizon questionnaire.

  2. 2

    Proposal of an indicative allocation.

  3. 3

    Opening the chosen product and first deposit.

Conditions
  • Be of legal age
  • Have completed the profile questionnaire
Required documents
  • Proof of identity
Frequently asked questions
Is a large starting capital required?

No, several products accept modest initial deposits.

Request information Book an appointment Run a simulation
Investor

Stocks

Investing directly in listed companies.

Investing in stocks means holding a share of listed companies, with potential for growth and dividends, in exchange for market risk.

Benefits

  • Long-term growth potential
  • Possible dividends depending on the companies held
  • Wide choice of markets and sectors

Who is it for?

Investors comfortable with market volatility.

How it works

  1. 1

    Opening a securities account or a dedicated plan.

  2. 2

    Placing buy or sell orders online.

  3. 3

    Tracking the portfolio and its performance.

Conditions
  • Understanding of capital-loss risk
Required documents
  • Proof of identity
Frequently asked questions
Can I lose more than my initial investment?

No, for a standard stock purchase, the loss is limited to the capital invested.

Request information Book an appointment
Investor

Bonds

Lending to a government or company for a regular return.

A bond is a loan made to a government or company, repaid at maturity and paid a regular coupon, with generally more measured risk than a stock.

Benefits

  • Regular income known in advance
  • Generally more measured risk than stocks
  • Useful diversification within a portfolio

Who is it for?

Investors seeking a more stable income.

How it works

  1. 1

    Selecting bonds based on the desired maturity.

  2. 2

    Purchased through the securities account.

  3. 3

    Coupons received until maturity.

Conditions
  • Securities account open
Required documents
  • No additional document beyond the securities account
Frequently asked questions
Does a bond guarantee the capital invested?

Repayment depends on the issuer’s solvency; it is not 100% guaranteed.

Request information Book an appointment
Investor Individual

Funds

Delegating stock selection to a professional manager.

A fund pools several investors’ savings to invest according to a defined strategy, run by a professional, offering instant diversification.

Benefits

  • Instant diversification from the first deposit
  • Management delegated to a professional
  • Access to targeted themes or geographic zones

Who is it for?

Investors preferring to delegate stock selection.

How it works

  1. 1

    Choosing a fund based on the desired strategy.

  2. 2

    Subscribed via the securities account or a life policy.

  3. 3

    Net asset value tracked in the client area.

Conditions
  • A compatible securities account or product open
Required documents
  • Fund key information document reviewed
Frequently asked questions
Do funds carry management fees?

Yes, annual management fees apply and are disclosed before subscription.

Request information Book an appointment
Investor

Portfolio management

A consolidated view of all your investments.

The portfolio area consolidates all products held — stocks, bonds, funds — with a view of allocation and overall performance.

Benefits

  • Consolidated view of all products held
  • Allocation analysis by asset class
  • Alerts on significant movements

Who is it for?

Investors holding several products.

How it works

  1. 1

    Automatic linking of products held.

  2. 2

    Viewing the allocation at a glance.

  3. 3

    Exporting the tracking for personal or accounting use.

Conditions
  • At least one investment product open
Required documents
  • No additional document
Frequently asked questions
Does the portfolio also include standard savings?

Yes, it appears for reference, distinguished from market-risk products.

Request information Book an appointment
Investor Individual

Investment advice

A conversation with an adviser before any significant decision.

Investment advice connects you with an adviser to build a strategy suited to your situation, before any subscription.

Benefits

  • One-to-one meeting with an adviser
  • Strategy adapted to your financial situation
  • No obligation to subscribe after the meeting

Who is it for?

Anyone wanting an opinion before investing.

How it works

  1. 1

    Booking an appointment online.

  2. 2

    Discussion of goals and situation.

  3. 3

    Delivery of a proposal, with no commitment.

Conditions
  • No prior condition
Required documents
  • No document required for a first conversation
Frequently asked questions
Is the advisory meeting chargeable?

A first conversation is free in this prototype.

Request information Book an appointment
Investor Individual

Responsible investing (SRI)

Aligning investments with environmental and social criteria.

Responsible investing selects products based on environmental, social and governance criteria, alongside traditional financial criteria.

Benefits

  • Selection based on documented ESG criteria
  • Access to labelled funds
  • Performance tracked the same way as a standard product

Who is it for?

Investors wanting to give meaning to their savings.

How it works

  1. 1

    Presenting the ESG criteria applied.

  2. 2

    Selecting the labelled funds available.

  3. 3

    Tracking financial and extra-financial performance.

Conditions
  • No specific condition beyond opening a product
Required documents
  • Fund key information document
Frequently asked questions
Is responsible investing less profitable?

Not necessarily; performance depends on the fund, as with any standard product.

Request information Book an appointment
Investor

Risk management

Understanding and adjusting the risk level of your investments.

Risk management helps understand the risk level of each product and adjust the portfolio allocation according to profile and horizon.

Benefits

  • Risk indicator shown for each product
  • Market-scenario simulations
  • Periodic rebalancing recommendations

Who is it for?

Investors wanting better control over their exposure.

How it works

  1. 1

    Analysing the current portfolio.

  2. 2

    Comparing it with the declared risk profile.

  3. 3

    Proposing adjustments if needed.

Conditions
  • At least one investment product held
Required documents
  • No additional document
Frequently asked questions
Is rebalancing automatic?

No, a recommendation is proposed but every change is validated by the investor.

Request information Book an appointment
Your profile

Browse the other service families.

Accounts

Current, savings, premium, student, joint, sole-trader, business.

Loans

Personal, mortgage, auto, student, professional, business.

Savings

Standard, project, housing, retirement, child, business.

Insurance

Home, auto, health, travel, borrower, professional.

Investing

Investments, stocks, bonds, funds, advice, responsible investing.

Funding & grants

SMEs, startups, non-profits, agriculture, innovative projects.
Benefits

A clear framework before any investment decision.

Profile set first

Horizon, tolerance to swings and overall situation come before any proposal.

Risk spelled out

Each approach states what can be lost, not only what can be gained.

Diversification

Spreading across asset classes reduces dependence on a single event.

Stated liquidity

The time needed to recover funds is stated for each solution.

Readable fees

Entry and management fees are presented before subscription.

Regular review

A periodic review allows the allocation to be adjusted over time.

How it works

Five steps, nothing left unclear.

1

Discover

Understand the main asset classes and their risks.

2

Choose

Determine a profile and an investment horizon.

3

Apply

Request a suitable allocation proposal.

4

Review

Consistency review against your financial situation.

5

Confirm

Set-up, then monitoring and possible adjustments.

Key information

Conditions and documents to prepare

Conditions

  • Hold emergency savings before investing.
  • Accept that invested capital can fall in value.
  • Respect the advised horizon for each solution.
  • A knowledge and experience questionnaire is required.
  • Past performance does not predict future performance.

Documents that may be required

  • Identity document and proof of address.
  • Completed risk profile questionnaire.
  • Evidence of the source of invested funds.
  • Declared wealth situation and income.
  • Articles and board resolution for a legal entity.

Academic mock-up. The conditions, amounts and terms shown are fictional and carry no contractual value.

FAQ

Frequent questions about investing

Can I lose money?
Yes. Outside capital-guaranteed solutions, an investment’s value can fall, including over long periods.
How much to start with?
Some solutions accept modest scheduled contributions; others require larger capital.
How is my profile determined?
Through a questionnaire on your horizon, experience, tolerance to swings and overall situation.
Can I withdraw at any time?
It depends on the solution: expected liquidity is stated on each sheet.
Do simulations bind the bank?
No. Any estimate shown here is indicative, fictional and without contractual value.
See the general FAQ
Take the next step

Start by defining your profile.

An educational estimate, then a meeting to confirm the allocation makes sense.

Get started Make a request Run a simulation Book an appointment Contact an advisor