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Portfolio 3

Our Portfolio 3 account lets you invest your Pillar 3 savings in the financial markets, where you stand to earn a higher potential long-term return than you would with a traditional Pillar 3 savings account. This account helps you maximize your retirement savings in your Epargne 3 account.


  • Funds in your Epargne 3 savings account can be invested on a monthly basis, either automatically or when you decide.
  • You can always keep some cash readily available in your Epargne 3 account.
  • You can cancel investment orders at any time, and you can convert your investments into cash whenever you want.
  • You won't be charged any brokerage or payout fees or any fees for account-handling or administration. 


Harness the power of the financial markets

  • With a Portfolio 3 account, you can earn a higher potential return on your savings by investing them in the financial markets. However, you will be taking on a higher level of risk.
  • The amounts you pay into your Epargne 3 account can be invested in fund units, either automatically or whenever you decide.
  • Speak with your BCV advisor, who will look at your risk profile and investment horizon to help you select the strategy that’s right for you.


*Calculations based on BCV’s past Epargne 3 account interest rates. 

The price of investment fund units may fall as well as rise. Past performance is no guarantee of future returns. Each profile has a recommended minimum holding period for the fund units.


You can choose from four strategies:


*Net asset value (NAV)

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Epargne 3 savings account

With your Epargne 3 savings, you can save up for retirement, a new house, or to become self-employed - all while reducing your tax bill.