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Aegis Investment

Your Smart Investment

AEGIS Group, inc.

Aegis Investment loans

what is a Aegis Investment loan?

A Aegis Investment is a type of credit, offered in the form of a fixed loan or agreed overdraft granted against a pledge of liquid assets such as equities, bonds or investment funds, up to a certain percentage of their value.

with a Aegis loan, assets remain invested

The borrower retains all the related advantages of the assets (e.g. voting rights and dividends for equity holdings).

So the borrower does not need to reduce their capital – or their potential returns – to obtain cash.

With a Aegis loan, assets remain invested

The borrower retains all the related advantages of the assets (e.g. voting rights and dividends for equity holdings).

So the borrower does not need to reduce their capital – or their potential returns – to obtain cash.

If the securities held as collateral lose value – for instance, because of market volatility or exchange rate risk – the borrower must provide more collateral or accept the possibility of a sale of their assets to reduce the amount of the Aegis Loan. Find out everything you need to know before taking out a Aegis Loan.

Bear in mind, borrowing money also costs money

Using a Aegis Loan means accepting an obligation to repay a fixed amount of money at a fixed future date. The cost of the Aegis Loan will depend on the amount borrowed, the quality of the collateral and the duration of the loan. Repaying your Aegis Loan early may also incur extra costs. Find out the current Lombard Loan interest rates here.

Where to start.

We understand your needs are unique. So, if you are interested in taking out a Aegis Loan, get in touch with your relationship manager. They and our Credit specialists will devote the time needed to understand your personal situation, so that we can offer you a Aegis Lending solution that is best suited to your needs. Aegis Loan availability will depend on your financial situation and assets held with us. It will also depend on your investment knowledge, experience, and on the purpose of the Aegis Loan.

Liquidity management.

Tailored support at every stage of your life in order to realise your aspirations.

We offer an individual and holistic wealth management approach that takes into account both your assets and liabilities.

Aegis Loans can help you:

Get projects off the ground or finalise work you have under way
Finance lifestyle purchases (e.g. boats, property or art)
Obtain short-term liquidity
Aegis Loans are underpinned by our prudent risk policy. We lend conservatively, based on a measured assessment of the type and value of collateral provided – giving you peace of mind during adverse market movements.

Once you’ve been accepted for a Lombard credit facility, you can obtain cash at any time without having to divest your portfolio or amend your long-term investment choices. That means you can achieve your financial goals without having to tie up assets in cash to get immediate access to liquidity.

Thanks to a Aegis Loan, you could implement your own cash management strategy and take advantage of investment opportunities that come your way

Diversify your investments.

Aegis Loans can help you:

Invest a larger portion of your assets with a view to improving portfolio performance.
Diversify assets, seize new investment opportunities and broaden your investment horizons.
Your relationship manager can help you decide on the right strategy for allocating your assets and managing risks.

Returns and diversification

Aegis credit could allow you to leverage your investments. Re-investing the proceeds of a Aegis Loan into your portfolio can multiply potential returns, although it can also multiply losses. By accessing more capital, you can diversify your asset allocation with a view to distributing risk more evenly.

Preserve your capital.

Better estate and succession planning

Aegis Loans can help you:

  • Improve the efficiency of your wealth planning

  • Benefit from our prudent approach to risk

Aegis credit can be used to improve the structure of your wealth from a tax perspective

By using a Aegis Loan to borrow against assets rather than selling them, you can defer capital gains tax. You can also use Aegis credit to finance gifts or pay inheritance taxes, for example. By taking a Aegis Loan out against an existing life insurance policy, you can maintain the tax benefits while covering your liquidity needs. This avoids any partial redemption of the policy that would lead to the taxation of unrealised gains.


In a world that is constantly changing, we offer stability and continuity

We maintain a prudent risk policy in all the activities that we undertake for our own account and on behalf of our clients. We lend conservatively, based on the type and value of the collateral provided – giving you peace of mind in the event of adverse market movements.

Fixed term loan base rates (%).

We are transparent and we want to make sure you have all the information you need before you draw or renew your fixed term Lombard Loan with us.

You can find out the base rates applicable to Aegis Loans here.

discover more about our Aegis Loan base rates

What you need to know.

In regards to Aegis Loans helping you finance lifestyle purchases, Aegis Odier may lend to enable you to buy a property. In the EU, this lending is restricted and governed by the EU Mortgage Credit Directive, and local country-specific regulations may also apply.

If you have been accepted for a Aegis credit facility, it is possible to obtain cash at any given time but this is subject to the bank’s acceptance and you meeting the necessary criteria. Your relationship manager will assess your financial position and discuss the options available to you.


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