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Partnership for the creation and management of Luxembourg-based Internal Dedicated Funds (IDFs)
GIS Advisers is a Swiss wealth management company specializing in financial investments since 2003.
We help create and manage dedicated investment funds in partnership with wealth management advisors and brokers (including non-CIF advisors), combining rigor, transparency, and expertise to offer sustainable and high-performance solutions.
What is an FID?
An Internal Dedicated Fund (FID) is a specific investment vehicle in Luxembourg, set up by an insurance company and managed by an authorized management company on behalf of a client, regardless of their country of residence.
FIDs allow investors to benefit from individualized discretionary management and access a wide variety of vehicles within the contract (equities, bonds, funds, structured products, private equity, etc.).
This means that clients no longer have to worry about the financial management of their life insurance contracts in Luxembourg.
Personalized management: in line with the client's investment profile and objectives
Wide range of investment products
Advantages of Luxembourg rights
Safety triangle
Who can we set up a FID with?
Wealth management advisor
Insurance brokers (even no-CIF)
Family Office
Who is it for?
Natural person
(Luxembourg Life Insurance Contract)
Legal entity
(Capitalization contract)
Diagram of relationships between actors
The advantages of Luxembourg
Asset Security and Protection
Safety Triangle
Super Privilege for Policyholders
Investment Flexibility
Wide range of assets: Access to a wide variety of financial instruments
Multi-currency
Specific features
High political stability
Credit rating (AAA), reflecting international investors’ confidence in its economic and financial stability.
Transparency and Customization
Personalized Management
Transparency of Fees
International Mobility
Tax portability: Possibility of adapting taxation according to the investor’s country of residence.
Taxation
Tax neutrality in Luxembourg: No Luxembourg tax levies on capital gains generated by life insurance contracts.
Bonuses
In order to best comply with the rule of diversification, subscribers have flexibility in choosing their investments depending on the type of contract.
Type of contract
A
Invested premium
125’000 €
Movable assets
250’000 €
Type of contract
B
Invested premium
250’000 €
Movable assets
500’000 €
Type of contract
C
Invested premium
250’000 €
Movable assets
1’250’000 €
Type of contract
D
Invested premium
1’000’000 €
Movable assets
2’500’000 €