Blue Harbor
Money market funds (SICAV/OPCVM)
Term deposits (DAT)
Copy trading (mirrors professional traders)
Money market fund (treasury bills, certificates of deposit)
Deposit locked in a bank.
~20 %/year
(5 % per quarter).
~3–4.5 % per year.
~2–3.7 % per year (varies by bank/duration).
80 % capital guaranteed, returns not guaranteed.
Low risk; diversified across high-quality instruments, no capital guarantee.
Capital and interest guaranteed by the bank.
Withdrawals possible each quarter.
Highly liquid: units can be sold anytime.
Locked 3 months to 5 years; penalties for early withdrawal.
€100,000 per shareholder.
Often a few hundred euros.
€1,000–€10,000 depending on bank.
20 quarters (5 years).
No fixed duration (short‑term placement).
3 months to 5 years.
High return potential; access to professional trading.
High liquidity; relatively safe; diversified.
Higher yield than savings accounts; capital guaranteed.
High minimum; partial capital guarantee; uncertain return.
Limited yield; management fees.
Funds locked; moderate yield; penalties for early withdrawal.