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The default investment style is Balanced.
You can change your amounts or choose another investment style: Cautious, Balanced, Audacious, or A la carte. (2)
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25 € minimum
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Difference
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Pick your funds below before you can see the graph
Based on the range of 40 funds, you choose the funds that suit you by indicating what percentage of your investment you want to allocate to each fund.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
The total percentage needs to be 100%.
Carmignac Patrimoine (Unit trust according to French law)
Mixed Neutral Risk : World
Sector/type: Mixed Neutral Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding three years. * The reference indicator is the following composite index: 50% MSCI AC WORLD NR (USD) index calculated with net dividends reinvested, and 50% Citigroup WGBI All Maturities index calculated with coupons reinvested. The reference indicator is rebalanced each quarter and converted into euro for EUR units and hedged units, and into the reference currency of each unit class for unhedged units. * The Fund's principal performance drivers are the following: - Equities: a maximum of 50% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, with up to 25% of net assets exposed to emerging countries). - Fixed income products: between 50% and 100% of the Fund's net assets is invested in fixed rate and/or variable rate government and/or corporate bonds and money market instruments. The average rating of the bonds held by the Fund shall be at least investment grade (as rated by at least one of the leading rating agencies). Fixed income products from emerging countries may not exceed 25% of net assets. - Currencies: The Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. * Up to 15% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,85%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Carmignac Investissement (Unit trust according to French law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding five years, using an active, discretionary investment strategy. * The reference indicator is the MSCI AC WORLD NR (USD) index, calculated with net dividends reinvested. * The Fund is invested in financial markets all over the world. Its main performance drivers are as follows: - Equities: at least 60% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, including emerging countries) - Currencies: the Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. Net currency exposure may be as much as 125% of net assets. * Up to 10% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex,but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units. * The Fund may invest in transferable debt securities and bonds on an ancillary basis.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,7% on the amount of the position
Ongoing charges 2,03%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Carmignac Emergents (Unit trust according to French law)
Shares (region) : Growth markets
Sector/type: Shares (region) : Growth markets
Lower risk Lower potential return
Higher risk Higher potential return
2 The Fund aims to outperform its reference indicator over a period exceeding five years. 2 The reference indicator is the MSCI EM NR (USD) calculated with net dividends reinvested (Morgan Stanley Emerging Markets index). 2 At least 60% of the Fund's net assets are exposed to international equity markets, with a significant allocation to emerging countries, through direct security investments or through derivatives. The assets may also consist of fixed income securities, debt securities or money market instruments denominated in euro or other currencies as well as variable rate bonds. Up to 40% of the assets may be invested in fixed income products for the purpose of risk diversification in the event of expected negative movements in equities. The Fund may also invest up to 30% of its net assets in Chinese domestic securities. 2 The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. 2 The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. 2 The Fund has a socially responsible management approach, and integrates environmental, social and governance criteria in the selection of securities. Other information: 2 The Fund uses futures and options for hedging or arbitrage purposes, and/or to expose the portfolio to the following risks (directly or via indices): currencies, bonds, equities (all categories of capitalisation), ETFs, dividends, volatility, variance (the latter two categories for up to 10% of net assets) and commodities (up to 20% of assets). The derivatives available are options (vanilla, barrier, binary), futures and forwards, swaps (including performance) and CFDs (contracts for difference) on one or more underlyings. Overall exposure to derivatives is controlled by combining expected gearing of 2 with the Fund's VaR limit, which must not be more than double the reference indicator's. 2 Up to 10% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. 2 The Fund may invest up to 10% of its net assets in units or shares of investment funds. 2 This Fund may not be suitable for investors planning to withdraw their investment within five years. 2 Investments may be redeemed each business day on request. Subscription and redemption requests are centralised on each NAV calculation and publication day before 18:00 CET/ CEST and are executed on the next business day using the previous day's NAV. 2 This unit is an accumulation unit.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,92%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Invesco Funds Invesco Pan European Equity Fund A (cap)
Invesco Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
- The objective of the Fund is to achieve long-term capital growth. - The Fund intends to invest primarily in shares of companies. - The Fund invests primarily in Europe. - The Fund is actively managed within its objectives and is not constrained by a benchmark. - You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus). - Any income from your investment will be reinvested.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 1,97%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Axa Rosenberg Equity Alpha Trust Axa Rosenberg Japan Equity Alpha Fund B
Axa Rosenberg Equity Alpha Trust (Unit Trust according to Irish law)
Shares (country) : Japan
Sector/type: Shares (country) : Japan
Lower risk Lower potential return
Higher risk Higher potential return
Investment Objective The aim of the Sub-Fund is to provide long-term capital growth above that of the Topix Index on a rolling three year basis. The Topix Index is designed to measure the performance of the shares of larger companies listed on the Tokyo Stock Exchange. The index's composition is available on www.tse.or.jp/english/. Investment Policy The Sub-Fund invests primarily in shares of larger companies listed on the Tokyo Stock Exchange. The fund manager uses a proprietary systematic stock selection model to identify shares of companies that it believes to be attractive investment opportunities, relative to their industry peers, based on analysis of their valuation and earnings prospects. From these shares, the fund manager seeks to construct a portfolio with the best expected risk/return trade off to meet the Fund's objective. The fund manager considers financial information as well as environmental, social and governance (ESG) information in determining the best expected risk/return trade off. In constructing the Fund's portfolio, the fund manager references the index which means that, while the fund manager has discretion to select the investments for the fund, the fund's divergence from the index is controlled. The fund manager may lend shares held by the Sub-Fund to third parties to generate additional income for the Sub-Fund. Investment Horizon This Fund may not be suitable for investors who plan to withdraw their contribution within 5 years. Income Net income earned by the Sub-Fund is accumulated and reinvested on behalf of the Unitholders holding accumulation type unit classes. Net income earned by the Sub-Fund may be declared and paid out to Unitholders holding distributing type unit classes, in line with the distribution policy set-out in the Prospectus. Sub-Fund Currency The reference currency of the Sub-Fund is JPY. Processing of subscription and redemption orders The subscription, conversion or redemption orders must be received by the Registrar and Transfer Agent, no later than 1 p.m. Irish time one business day before the relevant Dealing (business) Day. Orders will be processed at the Net Asset Value calculated for that Dealing Day. Please note that there may be additional processing time if your order is placed via intermediaries such as platforms, financial advisors or distributors.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,675% on the amount of the position
Ongoing charges 1,51%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Fidelity Funds (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
* Aims to provide long-term capital growth with the level of income expected to be low. * At least 70% are invested in equity securities of companies around the world. * The investment manager is not restricted in its choice of companies either by region, industry or size. The selection of equity securities will primarily be based on the availability of attractive investment opportunities. * Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. * May invest in assets directly or achieve exposure indirectly through other eligible means including derivatives. Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income, including for investment purposes, in line with the fund?s risk profile. * The fund has discretion in its choices of investments within its objectives and policies. * Income is reinvested in additional shares or paid to shareholders on request. * Shares can usually be bought and sold each business day of the fund.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,90%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Fidelity Funds (Investment company according to Luxembourg law)
Shares (country) : United States
Sector/type: Shares (country) : United States
Lower risk Lower potential return
Higher risk Higher potential return
* Aims to provide long-term capital growth with the level of income expected to be low. * At least 70% invested in the shares of US companies. * Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. * May invest in assets directly or achieve exposure indirectly through other eligible means including derivatives. Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income, including for investment purposes, in line with the fund?s risk profile. * The fund has discretion in its choices of investments within its objectives and policies. * Income is reinvested in additional shares or paid to shareholders on request. * Shares can usually be bought and sold each business day of the fund.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,89%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Robeco QI Global Dynamic Duration DH
Robeco QI Global Dynamic Duration (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
Robeco QI Global Dynamic Duration invests worldwide in government bonds with investment grade quality. The duration positioning of the fund is fully based on a quantitative model. The fund uses bond futures to dynamically adjust the duration (interest-rate sensitivity) of the portfolio. Duration positioning is based on our proprietary duration model, which predicts the direction of the bond markets using financial market data. The aim of the fund is to protect against rising yields and to benefit from rallying bond markets. All currency risks are hedged. Benchmark: JPM GBI Global Investment Grade Index (hedged into EUR) The fund aims to outperform by taking positions that deviate from the benchmark. This share class of the fund does not distribute dividend. You can purchase or sell units in the fund on any valuation day. This fund may not be appropriate for investors who plan to withdraw their money within 3 years.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,35% on the amount of the position
Ongoing charges 0,89%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
CapitalatWork Foyer Umbrella Contrarian Equities At Work C
CapitalatWork Foyer Umbrella (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of US and European companies listed or traded on a stock exchange or on another regulated market. These equities are generally neglected by the markets, but offer attractive prospects. To a lesser extent, the Sub-fund also invests its assets in companies from other global regions. The Sub-fund invests on the basis of an analysis of the cash flows of Asian companies while maintaining a diversified allocation of the Sub-fund?s investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,5% on the amount of the position
Ongoing charges 1,30%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Franklin Templeton Investment Funds Franklin Euro Government Bond Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
Franklin Euro Government Bond Fund (the ?Fund?) aims to maximise the investment return by achieving an increase in the value of its investments and earning income over the medium to long term. The Fund invests mainly in: · higher-quality debt securities issued by governments and government-related entities located within the European Monetary Union (Eurozone countries) The Fund can invest to a lesser extent in: · debt securities of any quality issued by governments and government-related entities located outside the European Monetary Union (limited to 15% of assets invested outside the European Monetary Union and lower-quality securities combined) · derivatives for hedging purposes and/or efficient portfolio management The Fund will seek to remove currency risk by hedging non-euro investments to the euro. In making investment decisions, the investment team thoroughly researches various factors that may affect bond prices. The Fund may distribute income gross of expenses. Whilst this might allow more income to be distributed, it may also have the effect of reducing capital. You may request the sale of your shares on any Luxembourg business day. For the distribution share class shown in this document, dividend income is distributed to shareholders. For further information on the Objectives and Investment Policy of the Fund, please refer to the section ?Fund Information, Objectives and Investment Policies? of the current prospectus of Franklin Templeton Investment Funds. The benchmark of the Fund is the Bloomberg Barclays Euro Government Bond Index. The benchmark is indicated for information purposes only, and the Fund manager does not intend to track it. The Fund can deviate from this benchmark.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,35% on the amount of the position
Ongoing charges 0,80%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Invesco Funds Invesco Active Multi-Sector Credit Fund A
Invesco Funds (Investment company according to Luxembourg law)
Hedge Funds/Absolute Return
Sector/type: Hedge Funds/Absolute Return
Lower risk Lower potential return
Higher risk Higher potential return
- The objective of the Fund is to achieve long-term capital growth and income. - The Fund intends to gain exposure to debt instruments including but not limited to investment grade (high quality) and non-investment grade (lower quality with a minimum rating of B- by Standard and Poor?s rating agency or equivalent) debt instruments, including debt instruments which are in financial distress (distressed securities). - The Fund intends to gain exposure worldwide in both developed and emerging markets. - The Fund may also gain exposure to the loans market through derivatives and other eligible complex instruments. - The Fund may also gain exposure to securitised debt. - The Fund may make significant use of derivatives (complex instruments) in order to (i) reduce the risk and/or generate additional capital or income and/or (ii) meet the Fund?s investment objectives by generating varying amounts of leverage (i.e. where the Fund gains market exposure in excess of the net asset value of the Fund). - The Fund is actively managed within its objectives and is not constrained by a benchmark. - You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus). - Any income from your investment will be reinvested.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,375% on the amount of the position
Ongoing charges 1,04%
Risk(s)
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Risk of less developed countries
- Leverage risk
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
JPMorgan Funds Europe Strategic Growth Fund A
JPMorgan Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
INVESTMENT OBJECTIVE To provide long-term capital growth by investing primarily in a growth style biased portfolio of European companies. Investment approach B Uses the Behavioural Finance process that is based on investments in stocks with specific style characteristics, such as value, quality and momentum. B Applies a disciplined, bottom-up investment approach to stock selection. B Seeks to identify high quality companies with superior momentum. Share Class Benchmark MSCI Europe Growth Index (Total Return Net) Benchmark uses B Performance comparison. The Sub-Fund may bear little resemblance to its benchmark. POLICIES Main investment exposure At least 67% of assets invested in a growth style biased portfolio of equities of companies that are domiciled, or carrying out the main part of their economic activity, in a European country. Derivatives Used for: efficient portfolio management; hedging. Types: see Sub-Fund Derivatives Usage table under How the Sub-Funds Use Derivatives, Instruments and Techniques in the Prospectus. TRS including CFD: none. Global exposure calculation method: commitment. Currencies Sub-Fund Base Currency: EUR. Currencies of asset denomination: any. Hedging approach: typically unhedged. Redemption and Dealing Shares of the Sub-Fund may be redeemed on demand, with dealing normally on a daily basis. Distribution Policy This Share Class normally pays an annual dividend in September based on reportable income. This Share Class intends to qualify as a reporting fund under UK tax law for offshore funds. For an explanation of some of the terms used in this document, please visit the glossary on our website at www.jpmorganassetmanagement.lu
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 1,75%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
BL (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
Objectives Seeking a long-term capital gain. Investment policy The sub-fund invests a minimum of 75% of its net assets in shares. A maximum of 10% of the net assets may be invested in open-ended investment funds. The sub-fund may also use derivative products for hedging purposes or in order to optimise the portfolio?s exposure. Investments are made without any geographical, sector-based or monetary restrictions. The companies are chosen on the basis of their intrinsic characteristics and their valuations. The underlying funds are selected on the basis of quantitative then qualitative criteria. The monitoring process is performed through regular contact with the managers of each of the underlying funds in the portfolio. The objective is to use underlying funds which best meet the themes, styles, regions and representative sectors of the fund manager?s convictions. The portfolio is managed on a discretionary basis without using a reference benchmark. The currency of the share class is expressed in EUR. The investor has the right to redeem his shares on demand. The dealing in shares is carried out on each complete bank business day in Luxembourg. The attention of the investor is drawn to the fact that in exceptional circumstances, the possibility for the investor to request the redemption of his shares may be limited or suspended. These shares are capitalisation shares. Income and capital gains are reinvested. Recommendation This fund may not be appropriate for investors who plan to withdraw their money within 10 years.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,625% on the amount of the position
Ongoing charges 1,46%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Amundi Funds Bond Euro High Yield AE
Amundi Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
To achieve a combination of income and capital growth (total return). Specifically, the Sub-Fund seeks to outperform (after applicable fees) the ML European Curr H YLD BB-B Rated Constrained Hed index over the recommended holding period. The Sub-Fund invests at least 67% of assets in below-investment-grade bonds that are denominated in euro. The Sub-Fund makes use of derivatives to reduce various risks, for efficient portfolio management and as a way to gain exposure (long or short) to various assets, markets or other investment opportunities (including derivatives which focus on credit and interest rates). The Sub-Fund does not aim to replicate the reference indicator and may therefore significantly deviate from it. The investment team analyses interest rate and economic trends (top-down) to identify geographic areas and sectors that appear likely to offer the best risk-adjusted returns. The investment team then uses both technical and fundamental analysis, including credit analysis, to select sectors and securities (bottom-up) and to construct a highly diversified portfolio. The accumulation share automatically retains, and re-invests, net investment incomes within the Sub-Fund when the distribution share pays dividends in September of each year. The minimum recommended holding term is 5 years. Shares may be sold or redeemed (and/or converted) on any dealing day (except otherwise stated in the prospectus) at the respective dealing price (net asset value) in accordance with the articles of incorporation. Further details are provided in the prospectus of the UCITS.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,55%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Fidelity Funds European Dynamic Growth Fund A
Fidelity Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
* Aims to provide long-term capital growth with the level of income expected to be low. * At least 70% invested in the shares of companies that have their head office or a main part of their activity in Europe. * Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. * Typically has a bias to medium size company shares with a market capitalisation range of 1 to 10 billion Euros. * May invest in assets directly or achieve exposure indirectly through other eligible means including derivatives. Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income, including for investment purposes, in line with the fund?s risk profile. * The fund has discretion in its choices of investments within its objectives and policies. * Income is reinvested in additional shares or paid to shareholders on request. * Shares can usually be bought and sold each business day of the fund.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,91%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Franklin Templeton Investment Funds Franklin European Growth Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
Franklin European Growth Fund (the ?Fund?) aims to increase the value of its investments over the medium to long term. The Fund invests mainly in: · equity and equity-related securities issued by companies of any size located in, or doing significant business in, European countries The investment team focuses on high-quality, financially strong companies that are attractively valued that it believes have the potential for sustainable growth and will provide the best opportunities for increased value over the long term with the least risk of permanent capital loss. The percentage invested in different industries will change over time, based on which industries seem to be offering the best opportunities. You may request the sale of your shares on any Luxembourg business day. The income received from the Fund's investments is accumulated with the result of increasing the value of the shares. For further information on the Objectives and Investment Policy of the Fund, please refer to the section ?Fund Information, Objectives and Investment Policies? of the current prospectus of Franklin Templeton Investment Funds. The benchmark of the Fund is the MSCI Europe Index. The benchmark is indicated for information purposes only, and the Fund manager does not intend to track it. The Fund can deviate from this benchmark.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 1,83%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Carmignac Portfolio Commodities A
Carmignac Portfolio (Investment company according to Luxembourg law)
Shares (sector) : Commodities
Sector/type: Shares (sector) : Commodities
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the sub-fund are as follows: 2 The sub-fund aims to outperform its reference indicator over a period exceeding five years and to seize the best opportunities available around the world using an active, discretionary investment strategy. 2 The reference indicator is a combination of the following MSCI indices: 45% MSCI AC World Oil Gas & Consum NR (USD), 5% MSCI AC World Energy Equipment NR (USD), 40% MSCI AC World Metals & Mining NR (USD), 5% MSCI AC World Paper & Forest Products NR (USD), 5% MSCI AC World Chemicals NR (USD), since 01/07/2013 inclusive. It is rebalanced each quarter and converted into euro for EUR units and hedged units, and into the reference currency of the unit class for unhedged units. 2 The sub-fund is an international equity fund invested across the whole of the natural resources sector (energy, precious metals, base metals, agricultural commodities and wood). Companies in which the sub-fund invests operate in the commodities, mining, production, enrichment and/or processing sectors. They may also be companies specialised in energy production, services and equipment. The sub-fund invests in financial markets all over the world. 2 The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. Other information: 2 The sub-fund uses derivatives for hedging or arbitrage purposes, and/or to expose the portfolio to the following risks (directly or via indices): currencies, bonds, equities (all categories of capitalisation), ETFs, dividends, volatility, variance (the latter two categories for up to 10% of net assets) and commodities. The derivatives available are options (vanilla, barrier, binary), futures and forwards, swaps (including performance) and CFDs (contracts for difference) on one or more underlyings. 2 The sub-fund may invest up to 10% of its net assets in units or shares of UCIs. 2 Up to 10 % of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. Please refer to the prospectus for more information. 2 This sub-fund may not be suitable for investors planning to withdraw their investment within five years. 2 Investments may be redeemed each business day on request. Subscription and redemption requests are centralised on each NAV calculation and publication day before 18:00 CET/ CEST and are executed on the next business day using the previous day's NAV. 2 This unit is an accumulation unit.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,80%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Blackrock Global Funds Sustainable Energy Fund A2
Blackrock Global Funds (Investment company according to Luxembourg law)
Shares (sector) : Energy
Sector/type: Shares (sector) : Energy