E
The E for Environment such as alternative energies and energy-related technologies or waste recycling.
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Blackrock Global Funds Sustainable Energy Fund A2
Shares (sector) : Energy
Robeco Capital Growth Funds RobecoSAM Smart Materials Equities D eur
Shares (region) : World
Schroder International Selection Fund Global Climate Change Equity A
Shares (region) : World
NN (L) Euro Sustainable Credit (Excluding Financials) P
Bonds Euro (without term) : Euro
Pictet Quest Europe Sustainable Equities P
Shares (region) : Europe
Triodos Sicav I Triodos Impact Mixed Fund - Neutral R
Mixed Neutral Risk : World
Allianz Global Investors Fund Allianz Global Sustainability A
Shares (region) : World
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
Robeco Capital Growth Funds Robeco Global Consumer Trends Equities D
Shares (region) : World
Shares (region) : World
Franklin Templeton Investment Funds Templeton Global Total Return Fund A (acc)
Bonds basket foreign currencies (without term) : Miscellaneous
Invesco Funds Invesco Euro Bond Fund A (S.dis)
Bonds Euro (without term) : Euro
Edmond de Rothschild Fund Bond Allocation A
Bonds Euro (without term) : Euro
Fidelity Funds Emerging Market Debt Fund A
Bonds basket foreign currencies (without term) : Growth markets
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
Mixed flexible
Fidelity Funds Global Multi Asset Income Fund A Hedged (cap)
Mixed Low Risk : World
NN (L) Patrimonial Balanced P (dis)
Mixed Neutral Risk : World
Mixed flexible
Mixed flexible
Nordea 1, SICAV Stable Return Fund AP
Mixed Neutral Risk : World
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
Carmignac Portfolio Green Gold A
Shares (sector) : Commodities
Robeco Capital Growth Funds Robeco BP Global Premium Equities D
Shares (region) : World
Schroder International Selection Fund Emerging Asia A
Shares (region) : Growth markets
Blackrock Global Funds Euro Markets Fund A2
Shares (region) : Euroland
Pictet Global Megatrend Selection P
Shares (region) : World
Shares (region) : World
Everyone is free to invest as much as they want. Conventional wisdom says that you should have precautionary savings of 6 to 9 months of net salary, which can be adapted according to your own situation. For longer periods, everything will depend on your plans for the short or medium term. But you can be sure of one thing: KEYPLAN is the ideal solution for those starting to invest.
Once you have worked out the amount that you want to pay in regularly (per month, per quarter, per six months or year), everything is done automatically. You no longer need to give it any thought, unless you want to stop your KEYPLAN or to change your payment amounts. You can top up the regular payments with occasional payments, even after starting your KEYPLAN.
Wherever you are, you can check the progress of your KEYPLAN on any computer, smartphone or tablet. On your mobile devices, all you need to do is download our Keytrade Bank app.
Unlike other banks, Keytrade Bank won’t charge you any fees when you open a KEYPLAN. There are also no management fees. The exit fees are clear and transparent: € 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.
The 40 funds included in the KEYPLAN promotion are among the best on the market. They have been carefully selected by our stock market experts in line with these criteria: performance, risk, diversification (geographic and sectoral) and the quality of the manager.
The return on a KEYPLAN is never guaranteed. But its major strength lies in reducing risk by sticking to the two golden rules: regular investment (spread over time) and a diversification of funds (based in different regions or sectors). So you will benefit automatically from a better distribution of your investments and greater security.
For those who want to, there are four pre-determined investment styles that differ in terms of risk and potential return. These investment styles differ notably by their risks and their potential returns. Once your choice is made, we invest the amount chosen in a selection of hand-picked funds. Are you an expert on funds? Would you prefer to put together your own tailored plan? That is not a problem, as you can always create your own tailored KEYPLAN.
You manage your KEYPLAN yourself, you take all the decisions. You can adjust the future payments in your KEYPLAN at any time in terms of the amount and frequency. And all at no cost.
You can stop your KEYPLAN at any time: all you need to do is ask us to transfer the securities included in your KEYPLAN to your own trading account. If that is done before the end of the fifth year, you will have to pay fees of € 9.95 per fund included in your plan. After the fifth year, the transfer of the amount in your KEYPLAN will be free of charge.
In KEYPLAN you will find different funds bearing the "Sustainable" tag. The selection of these funds and the verification of the sustainability criteria were carried out by Keytrade Bank.
In this selection, we took into account our preference for an open fund architecture. This is why funds from different fund companies were chosen. Within KEYPLAN, 7 of the 40 funds carry this tag.
Some of these funds take a more general approach to the sustainability of stocks or bonds, others focus more on one of the three ESG factors without losing sight of the other factors.
Increased attention to the three ESG factors
The E for Environment such as alternative energies and energy-related technologies or waste recycling.
The S stands for Social, for example attention to human rights, to workers' rights and to the principles of equality.
The G for Governance for a focus on transparency or the fight against corruption.
Within KEYPLAN, the seven funds bearing the "sustainable" tag take these factors into account. Some of these funds go even further and also use exclusion criteria in choosing their investments such as excluding companies related to alcohol, weapons, gambling, pornography and tobacco.
Be sure to read the Key Investor Information Document (KIID) and the fund prospectus for more detailed information on each investment policy.
Blackrock Global Funds Sustainable Energy Fund A2 Sustainable *
Blackrock Global Funds (Investment company according to Luxembourg law)
Sector/type: Shares (sector) : Energy
Lower risk Lower potential return
Higher risk Higher potential return
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 0,875% 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.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
To the extent that the fund's investments are concentrated in a particular country, market, industry, sector or asset class, the fund may be susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund?s assets. The Fund invests globally at least 70% of its total assets in the equity securities (e.g. shares) of sustainable energy companies. Sustainable energy companies are those which are engaged in alternative energy and energy technologies, including: renewable energy technology; renewable energy developers; alternative fuels; energy efficiency; enabling energy and infrastructure. The Fund will not invest in companies that are classified in the following sectors (as defined by Global Industry Classification Standard): coal and consumables; oil and gas exploration and production; and integrated oil and gas. The investment adviser (IA) may use financial derivative instruments (FDIs) (i.e. investments the prices of which are based on one or more underlying assets) for investment purposes in order to achieve the investment objective of the Fund, and/or to reduce risk within the Fund?s portfolio, reduce investment costs and generate additional income. The Fund may, via FDIs, generate varying amounts of market leverage (i.e. where the Fund gains market exposure in excess of the value of its assets). The Fund is actively managed. The IA has discretion to select the Fund's investments and is not constrained by any benchmark in this process. The MSCI All Countries World Index should be used by investors to compare the performance of the Fund. Recommendation: This Fund may not be appropriate for short-term investment. Your shares will be non-distributing (i.e. dividend income will be included in their value). The Fund?s base currency is US Dollar. Shares for this class are bought and sold in Euro. The performance of your shares may be affected by this currency difference. You can buy and sell your shares daily. The minimum initial investment for this share class is US$5,000 or other currency equivalent. For more information on the Fund, share/unit classes, risks and charges, please see the Fund's prospectus, available on the product pages at www.blackrock.com
The investment policy of the fund is extracted from the KIID
Robeco Capital Growth Funds RobecoSAM Smart Materials Equities D eur Sustainable *
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,71%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
The increase or decrease in volatility may cause a decline in the net asset value.
The RobecoSAM Smart Materials Strategy offers an alternative way to invest in materials. It focuses on innovative materials and process technologies, the very mechanisms that have driven efficiency gains over time and that have enabled humans to cope with limited natural resources, despite population and economic growth. The fund is allowed to pursue an active currency policy to generate extra returns and can engage in currency hedging transactions. Benchmark: MSCI World Index TRN The majority of stocks selected through this approach will be components of the benchmark, but stocks outside the benchmark index may be selected too. The fund can deviate from the weightings of the benchmark. The fund aims to outperform the benchmark over the long run, whilst still controlling relative risk through the applications of limits (on countries and sectors) to the extent of deviation from the benchmark. This will consequently limit the deviation of the performance relative to 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 5 years.
The investment policy of the fund is extracted from the KIID
Schroder International Selection Fund Global Climate Change Equity A Sustainable *
Schroder International Selection Fund (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,84%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
Objectives The fund aims to provide capital growth by investing in equities of companies worldwide which the investment manager believes will benefit from efforts to accommodate or limit the impact of global climate change. Investment policy The fund is actively managed and invests at least two-thirds of its assets in equities of companies worldwide. The investment manager believes that companies that recognise the threats and embrace the challenges early, or that form part of the solution to the problems linked to climate change, will ultimately benefit from long term structural growth which is underappreciated by the market. We expect these companies to outperform once the market recognises these stronger earnings growth dynamics. The fund is managed with reference to material environmental, social and governance factors. This means issues such as climate change, environmental performance, labour standards or board composition that could impact a company's value may be considered in the assessment of companies. The fund may also invest directly or indirectly in other securities (including other asset classes), countries, regions, industries or currencies, investment funds, warrants and money market investments, and hold cash. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. Benchmark The fund does not have a target benchmark. The fund's performance should be compared against its comparator benchmark, being the MSCI World (Net TR) index. The investment manager invests on a discretionary basis and is not limited to investing in accordance with the composition of a benchmark. Dealing frequency You may redeem your investment upon demand. This fund deals daily. Distribution policy This share class accumulates income received from the fund's investments, meaning it is kept in the fund and its value is reflected in the price of the share class.
The investment policy of the fund is extracted from the KIID
NN (L) Euro Sustainable Credit (Excluding Financials) P Sustainable *
NN (L) (Investment company according to Luxembourg law)
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
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 0,39% on the amount of the position
Ongoing charges 0,85%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
The fund primarily invests in a diversified portfolio of corporate bonds (excluding financials) of high quality denominated in Euro (with a rating of AAA to BBB-). The fund may invest a limited percentage in financials and in corporate bonds with a higher risk and therefore with a higher yield (with a quality rating lower than BBB-). To determine our eligible sustainable universe, companies are screened using exclusionary screening. Companies with serious and structural issues concerning controversial behavior are excluded. Measured over a period of several years we aim to beat the performance of the benchmark Bloomberg Barclays Euro Aggregate Corporate ex Financials. The benchmark is a broad representation of our investment universe. The fund can also include bonds that are not part of the benchmark universe. We actively manage the fund with a focus on company selection. We combine our analysis on specific issuers of corporate bonds with a broader market analysis to construct the optimal portfolio. We aim to exploit differences in bond valuations of companies within a sector and differences in valuations between sectors and different quality segments (ratings). Therefore the fund positioning can materially deviate from the benchmark. As issuer specific risk is an important driver of performance, we subject all issuers in the investable universe to an in-depth analysis of business and financial risk. For risk management purposes, issuer, sector and rating deviation limits are maintained relative to the benchmark. You can sell your participation in this fund on each (working) day on which the value of the units is calculated, which for this fund occurs daily. The fund aims at providing you with a regular dividend.
The investment policy of the fund is extracted from the KIID
Pictet Quest Europe Sustainable Equities P Sustainable *
Pictet (Investment company according to Luxembourg law)
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
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 0,4% on the amount of the position
Ongoing charges 1,20%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
Objectives and investment policy OBJECTIVE To increase the value of your investment. REFERENCE INDEX MSCI Europe (EUR). Used for portfolio composition, risk monitoring, performance objective and performance measurement. PORTFOLIO ASSETS The Compartment mainly invests in equities of companies that are domiciled, or do most of their business, in Europe and apply sustainable development principles to their business. DERIVATIVES AND STRUCTURED PRODUCTS The Compartment may use derivatives to reduce various risks (hedging) and for efficient portfolio management, and may use structured products to gain exposure to portfolio assets. COMPARTMENT CURRENCY EUR INVESTMENT PROCESS In actively managing the Compartment, the investment manager uses a quantitative approach to select securities that it believes offer superior financial and sustainable characteristics. The Compartment is designed to offer performance that is likely to be significantly different from that of the benchmark. Terms to understand Derivatives Financial instruments whose value is linked to one or more rates, indexes, share prices or other values. Equities Securities that represent a share in the business results of a company. Structured products Securities similar to derivatives, but with defined risk or performance characteristics. Other characteristics Designed for investors who understand the risks of this Compartment and plan to invest for 5 year(s) or more. This is an accumulation share class, meaning any income earned is retained in the share price. Orders to buy, switch or redeem shares are ordinarily processed on any day that is a full bank business day in Luxembourg.
The investment policy of the fund is extracted from the KIID
Triodos Sicav I Triodos Impact Mixed Fund - Neutral R Sustainable *
Triodos Sicav I (Investment company according to Luxembourg law)
Sector/type: Mixed Neutral Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
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 0,45% on the amount of the position
Ongoing charges 1,35%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
Investment objective The fund aims to generate long-term capital growth for its investors. Investment policy Triodos Impact Mixed Fund - Neutral primarily invests in shares of large cap companies that are listed on worldwide markets and in Euro-denominated corporate bonds, impact bonds, sovereign bonds and sub sovereign bonds. The selected instruments combine good financial results with a good performance on environmental, social and governance issues. All bonds must be rated at least investment grade (≥BBB or equivalent). The allocation between shares and bonds is adjusted within the following ranges: Equities: minimum 40% - maximum 60% Bonds: minimum 40% - maximum 60% Companies, international financial institutions and (semi-)public institutions are selected following a comprehensive and integrated assessment of their financial, social and environmental performance. Countries and their regions must meet the minimum standards defined. The fund is actively managed. It compares its returns with the MSCI World Index (50%), the iBoxx Euro Non-sovereigns Eurozone (30%) and the iBoxx Euro Sovereigns Eurozone (20%). The fund does not aim to replicate or outperform the benchmark, from which it may deviate because it only invests in equity and bonds that meet strict sustainability criteria. Sustainable investment strategy The sustainability research process for shares, corporates and sub sovereigns issued by international financial institutions and (semi-)public institutions includes the following two steps: (1) selection of companies that materially contribute to at least one of the seven transition themes (sustainable food & agriculture, sustainable mobility & infrastructure, renewable resources, circular economy, prosperous & healthy people, innovation for sustainability, and social inclusion & empowerment) through their products, services or processes, and (2) elimination of companies that do not meet the minimum standards defined. Sovereign bonds and sub sovereign bonds issued by regional or local authorities must be issued by members of the European Union (and their regions) that meet the minimum standards defined. For impact bonds the steps are (1) elimination of issuers that do not meet the minimum standards defined, (2) selection of bonds that invest in projects with measurable positive impact and (3) selection of bonds with sustainable processes. Other information ? Investors may subscribe and redeem units on any valuation day. ? Distribution shares may pay a dividend to their holders whereas capitalisation shares capitalise their entire earnings.
The investment policy of the fund is extracted from the KIID
Allianz Global Investors Fund Allianz Global Sustainability A Sustainable *
Allianz Global Investors Fund (Investment company according to German law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,86%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
* Sustainable The funds' objective pays special attention to the environmental, social and governance criteria (ESG). More information is to be found on our sustainable funds page.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
Long-term capital growth by investing in global Equity Markets of developed countries in accordance with the Sustainable and Responsible Investment Strategy (SRI Strategy) which considers various criteria regarding social and environmental policy, human rights, and corporate governance. The Investment Manager may engage in foreign currency overlay and thus assume separate foreign currency risks with regard to currencies of OECD member states, even if the Sub-Fund does not include any assets denominated in these respective currencies. We manage this Sub-Fund in reference to a Benchmark. Sub- Fund's Benchmark plays a role for the Sub-Fund?s performance objectives and measures. We follow an active management approach with the aim to outperform the Benchmark. Although our deviation from the investment universe, weightings and risk characteristics of the Benchmark is likely to be material in our own discretion, the minority of the Sub-Fund's investments (excluding derivatives) may consist of components of the Benchmark. Min. 70% of Sub-Fund assets are invested by us in Equities as described in the investment objective. Max. 30% of Sub-Fund assets may be invested in Equities other than described in the investment objective in accordance with the SRI Strategy. Max. 30 % of Sub-Fund assets may be invested in Emerging Markets in accordance with the SRI Strategy. Sub-Fund assets may not be invested by us in Equities that generate a share of more than 5% of its revenues in the sectors (i) alcohol, (ii) armament, (iii) gambling, (iv) pornography and (v) tobacco. Max. 15% of Sub Fund assets may be held directly in deposits and/or may be invested by us in Money Market Instruments and/or (up to 10% of Sub-Fund assets) in money market funds. All bonds and money market instruments must have at the time of acquisition a rating of at least B- or a comparable rating from a recognised rating agency. Max. 10% of SUb-Fund assets may be invested into the China A-Shares marekt. Sub-Fund classifies as ?equity-fund? according to German Investment Tax Act (GITA). Benchmark: DOW JONES Sustainability World Index (Total Return). You may redeem shares of the fund usually on each business day. We usually distribute the income of the fund on a yearly basis. Recommendation: the Share Class of the Fund should be held for a long-term investment horizon.
The investment policy of the fund is extracted from the KIID
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
Robeco Capital Growth Funds Robeco Global Consumer Trends Equities D
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,71%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
There is a risk of loss associated with holding assets in custody, especially abroad. This risk may result from insolvency, negligence or misconduct on the part of the custodian or a sub-custodian.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
To the extent that the fund's investments are concentrated in a particular country, market, industry, sector or asset class, the fund may be susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Robeco Global Consumer Trends is an actively managed fund. The fund aims to outperform the benchmark over the long run. The fund invests in stocks in developed and emerging countries across the world. The selection of these stocks is based on fundamental analysis. The fund invests in a number of structural growth trends in consumer spending. The first is the "digital consumer". The second trend is that of growing consumer spending in emerging markets. The third trend focuses on the appeal of "strong brands". The fund managers aims to select stocks of the structural winners within these trends. The fund can engage in currency hedging transactions. Typically currency hedging is not applied. Benchmark: MSCI All Country World Index (Net Return, EUR) The majority of stocks selected through this approach will be components of the benchmark, but stocks outside the benchmark index may be selected too. The fund can deviate substantially from the weightings of the benchmark. The investment policy is not constrained by a benchmark but the fund may use a benchmark for comparison purposes. The fund can take a substantial active risk. The fund can deviate substantially from the issuer, country and sector weightings of the benchmark. There are no restrictions on the deviation 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 7 years.
The investment policy of the fund is extracted from the KIID
Aphilion Q² (Investment company according to Belgian law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,67%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
The assets of the subfund "Aphilion Q2 Equities" are invested for at least 95% in shares and comparable securities of countries belonging to the OECD, principally Western Europe, the USA and Japan. The subfund aims to be at least 95% invested in equities. The balance is held as cash. The assets are invested with the goal of generating value increase in the mid-long term. The underlying investment philosophy consists of searching for promising shares and economic sectors which may best contribute to ensuring this investment objective. The reference index is the MSCI World Index in euro. Investors can redeem their shares in the fund at any time. The orders are executed every bank working day at the prevailing net asset value per share. All income (dividends) received by the fund is reinvested in the fund (accumulation shares only). Note: this fund may not be suitable for investors with an investment horizon less than 10 years.
The investment policy of the fund is extracted from the KIID
Franklin Templeton Investment Funds Templeton Global Total Return Fund A (acc)
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : Miscellaneous
Lower risk Lower potential return
Higher risk Higher potential return
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 0,525% on the amount of the position
Ongoing charges 1,40%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
Templeton Global Total Return Fund (the ?Fund?) aims to maximise total investment return by achieving an increase in the value of its investments, earning income and realising currency gains over the medium to long term. The Fund pursues an actively managed investment strategy and invests mainly in: · debt securities of any quality (including lower quality debt such as non-investment grade securities) issued by governments, government-related or corporate entities in any developed or emerging markets The Fund can invest to a lesser extent in: · mortgage- and asset-backed securities · debt securities of supranational entities, such as the European Investment Bank · Mainland China through the Bond Connect or directly (less than 30% of assets) · securities in default (limited to 10% of assets) · units of other mutual funds (limited to 10% of assets) The Fund can use derivatives for hedging, efficient portfolio management and/or investment purposes which are used as an active investment management instrument to gain exposure to markets.The flexible and opportunistic nature of the strategy allows the investment team to take advantage of different market environments. In making investment decisions, the investment team uses in-depth research about various factors that may affect bond prices and currency values. The Fund employs a proprietary Environmental, Social and Governance (ESG) rating methodology to assess government bond issuers and takes these ratings into consideration when building its investment portfolio. 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. 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 Bloomberg Barclays Multiverse 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. Terms to Understand Derivatives: Financial instruments whose characteristics and value depend on the performance of one or more underlying assets, typically securities, indexes, currencies or interest rates.
The investment policy of the fund is extracted from the KIID
Invesco Funds Invesco Euro Bond Fund A (S.dis)
Invesco Funds (Investment company according to Luxembourg law)
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
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 0,375% on the amount of the position
Ongoing charges 1,03%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
The increase or decrease in volatility may cause a decline in the net asset value.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
Convertible bonds can automatically convert into shares or be written down if the financial strength of the issuer falls in a certain way. This may result in substantial or total losses of the bond value.
- The objective of the Fund is to achieve long-term capital growth, together with income. - The Fund will invest primarily in debt instruments denominated in Euro. - The Fund will invest in debt instruments (including contingent convertibles) issued worldwide by governments or companies. - The Fund may invest in debt instruments which are in financial distress (distressed securities). - 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 and is not constrained by its benchmark, the Bloomberg Barclays Euro Aggregate Index (Total Return), which is used for comparison purposes. However, as the benchmark is a suitable proxy for the investment strategy, it is likely that the majority of the issuers in the Fund are also components of the benchmark. As an actively managed fund, this overlap will change and this statement may be updated from time to time. - The Fund has broad discretion over portfolio construction and therefore it is expected that over time the risk return characteristics of the Fund may diverge materially to the benchmark. - Please refer to the Past Performance section below where a benchmark will be displayed if relevant. - You can buy and sell shares in the Fund on any Dealing Day (as defined in the Prospectus). - Any income from your investment will be paid semi-annually.
The investment policy of the fund is extracted from the KIID
Edmond de Rothschild Fund Bond Allocation A
Edmond de Rothschild Fund (Investment company according to Luxembourg law)
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
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 0,4% on the amount of the position
Ongoing charges 1,19%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
Investment objective: The Sub-Fund's objective is to offer an annualised performance exceeding the Index composed of 50% of the Bloomberg BarclaysEuro Aggregate Corporate Total Return Index and 50% of the Bloomberg Barclays Euro Aggregate Treasury Total Return Index over the investment period.The sub-fund is actively managed. Benchmark index: 50% Bloomberg Barclays Euro-Aggregate Corporate (EUR) + 50% Bloomberg Barclays Euro-Aggregate Treasury (EUR) The Sub-Fund is actively managed and is not designed to track the Index. Therefore, the composition of the portfolio holdings is not constrained by the composition of the Index and the deviation of portfolio holdings from the Index may be significant. Investment policy: The investment approach of the Sub-Fund combines both top-down and bottom-up factors. As such the Sub-Fund benefits from the complementary skills of the Investment Manager, combining relevant macroeconomic analysis with specific bond picking skills in each fixed income market segment. The Sub-Fund may invest up to 110% of its net assets in debt securities and Money Market Instruments of any kind, from all geographical areas. The cumulative exposure to non-investment grade debt securities (high yield securities) with a credit rating below BBB- (Standard and Poor?s or an equivalent rating assigned by another independent agency, or a deemed equivalent internal rating attributed by the Investment Manager for non-rated securities) and to debt securities issued by public or private entities located in Emerging Countries will not exceed 70% of the Sub-Fund?s net assets. However, the cumulative exposure to non-investment grade corporate bonds and emerging markets debt securities will not exceed 50% of the Sub-Fund?s net assets.The Sub-Fund may also invest in Distressed Securities up to 5% of its net assets. High yield securities are speculative and present a higher risk of default than investment grade bonds. The remainder of the Sub-Fund?s portfolio will be invested in debt securities with a minimum long-term rating of BBB- or a short-term rating of A-3 (Standard and Poor's or an equivalent rating assigned by another independent agency, or a deemed equivalent internal rating attributed by the Investment Manager for non-rated securities). Subject to a limit of 10%, the Sub-Fund may be exposed to equity markets through its potential exposure to Convertible Bonds and in exceptional cases resulting from the restructuring of securities held in the portfolio. In case of conversion or restructuring, the Sub-Fund may temporarily hold equities up to 10% of its net assets which would be sold off as soon as possible in the best interest of shareholders. Up to 20% of the Sub-Fund?s net assets may be invested in Contingent Convertible Bonds.The Sub-Fund may hold up to 100% of its net assets in securities issued in currencies other than the euro. The currency risk resulting from these investments will be systematically hedged. Nevertheless, a residual exposure may remain. The Sub-Fund?s Modified Duration may vary from -2 to 8. The Sub-Fund may use financial derivative instruments to achieve its investment objective. Such instruments may also be used for the purpose of hedging. These instruments may include, but are not limited to: Futures options - Credit options, Interest rate options - Currency options, Forward rate agreements - Currency swaps, Interest rate futures - Inflation swaps, Interest rates swaps, Currency forward, Single-name Credit Default Swap, Swaptions - Index Credit Default Swap, Bond ETF options, Total Return Swaps, Bond futures. Strategies that will be implemented through the use of financial derivative instruments: General hedging of certain risks (interest rate, credit, currency), Exposure to interest rate and credit, Reconstitution of a synthetic exposure to assets and risks (interest rate, credit), Increase in exposure to the market, Duration positioning: active
The investment policy of the fund is extracted from the KIID
Fidelity Funds Emerging Market Debt Fund A
Fidelity Funds (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : Growth markets
Lower risk Lower potential return
Higher risk Higher potential return
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 1,61%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
The increase or decrease in volatility may cause a decline in the net asset value.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
A fund's attempts to reduce or eliminate certain risks may not work as intended.
n The fund aims to provide income and capital growth. n The fund will invest at least 70% in global emerging-markets bonds. n Investments will be made in, but not limited to, Latin America, South East Asia, Africa, Eastern Europe (including Russia) and the Middle East. n Less than 30% of the fund?s total net assets will be invested in hybrids and Cocos, with less than 20% of the total net assets to be invested in Cocos. n The fund can invest in bonds issued by governments, companies and other bodies. n The fund has the freedom to invest outside its principal geographies, market sectors, industries or asset classes. n The fund is unconstrained in the amount that it may invest in sub investment grade and/or high yield securities or issuers. n The fund will invest less than 30% directly and/or indirectly in onshore China fixed income securities on an aggregated basis. n The fund may invest in assets directly or achieve exposure indirectly through other eligible means including derivatives. The fund 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. n Investments may be made in currencies other than the fund?s reference currency. Exposure to currencies may be hedged, for example with currency forward contracts. The fund's reference currency is the currency used for reporting and may be different from the currency of denomination of the investments. n The fund is actively managed. The Investment Manager will, when selecting investments for the fund and for the purposes of monitoring risk, reference J.P. Morgan Emerging Markets Bond Index Global Diversified (the ??Index??). The fund?s performance can be assessed against its Index. The Investment Manager has a wide range of discretion relative to the Index. While the fund will hold assets that are components of the Index, it may also invest in issuers, sectors, countries and security types that are not included in, and that have different weightings from, the Index in order to take advantage of investment opportunities. n Income earned by the fund is accumulated in the share price. n Shares can usually be bought and sold each business day of the fund.
The investment policy of the fund is extracted from the KIID
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
DNCA Invest (Investment company according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
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 1,46%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Multi-Asset Fund The Sub-Fund seeks to outperform the 20% Eurostoxx 50 + 80% FTSE MTS Global composite index calculated with dividends reinvested, over the recommended investment period. The overall invesment strategy of the Sub-Fund is to seek to enhance the return on a wealth investment through active management of the portfolio of Euro denominated equities and fixed income products. It aims to provide an alternative to investments in bonds and convertibles bonds (directy or through mutual funds) as well as an alternative to Euro denominated funds benefitting from a capital guarantee. The Sub-Fund however dos not benefit from a guarantee on capital invested. The Sub-Fund may invest at any time within the following limits in: - Up to 100% of its total assets may be exposed to fixed income securities denominated in Euro, composed of securities issued by public or private sector-issurers, without any rating constraint including non-rated issues. - At least 50% of the Sub-Fund's fixed income portfolio should be composed of securities belonging to the "investment grade" category (i.e. have a Standard & Poor's minimum A-3 short-term rating or BBB- long-term rating or equivalent). The Investment Manager shall not solely base its investment decisions on ratings assigned by independant rating agencies and can proceed to its own credit risk assessment. The Sub-Fund's fixed income portfolio may be composed of securities belonging to the "speculative grade" category (i.e. not belonging to the "investment grade" category) or non-rated. The Investment Manager may invest in securities which qualify as distressed securities up to 5% of its net assets. - Up to 35% of its net assets in equities from issuers belonging to all market capitalisation categories, headquartered in OECD countries and denominated in Euro. Investment in equities issued by issuers which capitalisation is under 1 billion Euros may not exceed 5% of the net assets of the Sub-Fund. The duration of the Sub-Fund's portfolio will be limited to 7 years. The Sub-Fund may invest up to 10% of its net assets in units and/or shares of UCITS and/or AIFs. In order to achieve the investment objective, the Sub-Fund may also invest in equities or related financial derivative instruments as well as in convertible bonds, warrants and rights which may embed derivatives, for the purpose of hedging or increasing interest rate risk without seeking overexposure Benchmark Information : The Sub-Fund is actively managed and uses the benchmark for performance comparison purposes. This means the Investment Manager is taking investment decisions with the intention of achieving the Sub-Fund?s investment objective; this may include decisions regarding asset selection and overall level of exposure to the market. The Investment Manager is not in any way constrained by the benchmark in its portfolio positioning. The deviation from the benchmark may be complete or significant.
The investment policy of the fund is extracted from the KIID
Fidelity Funds Global Multi Asset Income Fund A Hedged (cap)
Fidelity Funds (Investment company according to Luxembourg law)
Sector/type: Mixed Low Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
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 0,625% on the amount of the position
Ongoing charges 1,69%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
A fund's attempts to reduce or eliminate certain risks may not work as intended.
The fund aims to provide capital growth and income over the medium to long term. n The fund will invest in a wide range of markets throughout the world providing exposure to investment grade, high yield and emerging market bonds, as well as to shares of companies. n Less than 30% of the fund?s total net assets will be invested in hybrids and Cocos, with less than 20% of the total net assets to be invested in Cocos. n The fund can invest in bonds issued by governments, companies and other bodies. n The fund has the freedom to invest outside its principal geographies, market sectors, industries or asset classes. n As this fund may invest globally, it may invest in countries considered to be emerging markets. n The fund may invest up to 50% in global government bonds and may also have exposure of less than 30% to infrastructure securities and closed-ended real estate investment trusts (REITS). n The fund may under normal market conditions invest up to 100% in global investment grade bonds, 50% in emerging markets bonds, 50% in shares of companies globally and 60% in global high yield bonds. n Currency hedging is used to substantially reduce the risk of losses from unfavourable exchange rate movements. Currency look-through hedging is used to hedge the underlying currency effects at the security level to that of the hedged share class reference currency, thereby delivering the underlying market returns. n The fund may invest in assets directly or achieve exposure indirectly through other eligible means including derivatives. The fund 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. n The fund is actively managed without reference to an index. n Income earned by the fund is accumulated in the share price. n The fund?s source of income will mainly be generated from dividend payments from shares of companies and coupon payments from bond holdings. n Shares can usually be bought and sold each business day of the fund.
The investment policy of the fund is extracted from the KIID
NN (L) Patrimonial Balanced P (dis)
NN (L) Patrimonial (Investment company according to Luxembourg law)
Sector/type: Mixed Neutral Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
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 0,72% 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.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Objectives and Investment Policy Th e fund is a fund of funds and invests primarily in a diversified international portfolio of equity and fixed income funds (funds that invest in either stocks or fixed income instruments). Also other financial instruments can be used to achieve the investment objectives. The fund may also invest directly, up to 20% of its net assets, in mainland China via Stock Connect which is the mutual market access programme through which investors can deal in selected securities. The fund uses active management to respond to changing market conditions by using amongst others fundamental and behavioural analysis resulting in dynamic asset allocations over time. The fund positioning can therefore materially deviate from the benchmark. The fund is actively managed against an investment profile of 50% bonds denominated in Euro (benchmark Bloomberg Barclays Euro Aggregate) and 50% global stocks (benchmark MSCI AC World (NR)), with a bandwidth of 20%. Measured over a period of several years we aim to beat the performance of the combined benchmark. The benchmark is a broad representation of our investment universe. The fund may also include investments into securities that are not part of the benchmark universe. We put an accent on stable capital growth. The fund strives to add value via three approaches: (1) Selection within and between stocks and bonds, (2) Selection in a diverse set of funds (3) Decide on portfolio diversification and risk management. You can sell your participation in this fund on each (working) day on which the value of the units is calculated, which for this fund occurs daily. The fund aims at providing you with a regular dividend.
The investment policy of the fund is extracted from the KIID
Vector (Investment company according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
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 1,95%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
The Fund is a global equity fund that is actively managed on the basis of a set of mathematical valuation models. Throughout a full business cycle, the Fund aims to maximise its alpha while targeting a beta of between 0.5 and 0.7 with the global equity markets - MSCI ACWI calculated ex-dividend (in euro). While the fund strives to have a similar geographical and sector distribution as the benchmark (active weights held at less than 12.5%), a significant part of its investments may not be part of or may have different weightings than the benchmark. Put differently, while the equity part of the portfolio tries to maintain a similar level of risk (ex?ante tracking error below 7%) as the MSCI ACWI the investment manager has the discretion to invest in companies, countries or sectors not included in the benchmark in order to take advantage of specific investment opportunities and generate alpha. Moreover, while the fund tries to maintain a similar equity exposure as its benchmark (60% MSCI ACWI + 40% EONIA) over a full business cycle, the exposure to equity may be very different during any given year. Depending on market conditions, the Fund may invest up to 100% of its assets in cash or money market instruments. In order to achieve outperformance the Management Company systematically screens global equity markets in search of undervalued stocks, by assessing over 2500 companies on a quantitative basis on their growth, risk and valuation properties. Out of this vast universe, a portfolio of at least 50 companies is constructed, based on their chances of outperforming their peers in the months following their selection. The Fund always aims for a well-balanced diversification of its equity holdings over different sectors and regions (developed as well as emerging), without however subjecting to formal limits, apart from the investment restrictions contained above and in the main part of the Prospectus. Investments may be redeemed every business day (every weekday of the month on which banks are open for business in Luxembourg). Subscription and redemption requests are centralised on each of these days before 11:00 Luxembourg time. Capital gains and other income of the Fund will be capitalised. The Fund may invest up to 10% of its net assets in units or shares of UCITS. It may also use futures and other derivatives to hedge its currency and market exposure. The Fund may not be suitable for investors planning to withdraw their investment within five years
The investment policy of the fund is extracted from the KIID
R-co Valor (Investment company according to French law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
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 0,58% on the amount of the position
Ongoing charges 1,58%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The SICAV?s investment objective is to seek performance over a recommended investment duration of 5 years minimum, by implementing an active and discretionary management based especially on anticipating changes on different markets (equities, fixed-income) and on picking financial instruments using financial research of the issuers. Consequently, the SICAV does not have a benchmark indicator. The strategy implemented in order to pick the underlyings in the SICAV is based on the following criteria: lasting growth prospects, a weak competitive position (a virtual technical or commercial monopoly or dominant position), a clear understanding of the business of the company in question, a reasonable price. The SICAV can be invested, depending on market changes, at between 0 and 100% in equities of all capitalisation sizes (maximum of 20% in small caps) and all geographical regions (and up to 100% in non-OECD country equities); between 0 and 100% in bonds, including 20% maximum in convertible bonds, state and/or private issuers of all signature qualities, with a maximum investment of 20% in high-yield bonds and 10% maximum in nonrated bonds; and between 0 and 10% in other UCITS. The SICAV?s direct and indirect exposure to non-OECD countries may be up to 100% of its assets, and its small-cap risk exposure may be up to 20% of its assets. The SICAV may also invest in securities integrating derivatives, financial futures used for both hedging and exposure to equity risks, fixed-income and currencies, and temporary securities purchases or disposals. The portfolio?s consolidated exposure (via securities, UCITS, futures operations) in all markets combined, will be a maximum of 200%. More specifically, the UCITS? consolidated exposure: - to equities markets and forex markets will not exceed 100% for each of these risks - to fixed income markets should help maintain the portfolio?s sensitivity* within a range of between -1 and 9. Frequency of valuation: Daily. Centralisation of subscription and redemption orders (S/R): every day at 4 p.m. (NAV-1) at Rothschild Martin Maurel. Order execution: NAV of the next business day. S/R settlement date: NAV + 2 business days. This unit is an accumulation unit. Recommendation: this fund may not be suitable for investors who plan to withdraw their money less than 5 years after their investment. * Bond sensitivity measures the change in the price of a fixed-rate bond when interest rates change. The longer the residual lifespan of a bond, the higher its sensitivity.
The investment policy of the fund is extracted from the KIID
Nordea 1, SICAV Stable Return Fund AP
Nordea 1, SICAV (Investment company according to Luxembourg law)
Sector/type: Mixed Neutral Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,82%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The fund's objective is to provide shareholders with investment growth and achieve relatively stable income. In actively managing the fund's portfolio, the management team uses a risk-balanced and dynamic asset allocation process, with a focus on bonds and equities. The team also takes both long and short positions and manages currencies actively. The fund mainly invests, directly or through derivatives, in equities as well as various other asset classes such as bonds, money market instruments and currencies from anywhere in the world. Specifically, the fund may invest in equities and equity-related securities, debt securities and debt-related securities and money market instruments. The fund may be exposed (through investments or cash) to other currencies than the base currency. The fund may use derivatives and other techniques for hedging (reducing risks), efficient portfolio management and to seek investment gains. The fund may extensively use financial derivatives to implement the investment policy and achieve its target risk profile. A derivative is a financial instrument which derives its value from the value of an underlying asset. The use of derivatives is not cost or risk-free. The fund is subject to Nordea Asset Management's responsible investment policy. Any investor may redeem its shares in the fund on demand, on a daily basis. This fund may not be appropriate for investors who plan to withdraw their money within a period of 3 years. The fund uses the EURIBOR 1 M for performance comparison only. The fund's portfolio is actively managed without reference or constraints relative to its benchmark. This share class may pay out distributions once a year after the annual general meeting of the shareholders. The fund is denominated in EUR. Investments in this share class settle as well in EUR.
The investment policy of the fund is extracted from the KIID
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
Carmignac Portfolio Green Gold A
Carmignac Portfolio (Investment company according to Luxembourg law)
Sector/type: Shares (sector) : Commodities
Lower risk Lower potential return
Higher risk Higher potential return
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 0,7% on the amount of the position
Ongoing charges 1,79%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The price fluctuations of commodities and the volatility of the sector may cause a decline in the net asset value.
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 This Sub-Fund is an actively managed UCITS. The investment manager has discretion over the composition of its portfolio, subject to the stated investment objectives and policy. The Sub-Fund's investment universe is at least partly derived from the Reference indicator. The Sub-Fund's investment strategy is not dependent on the Reference indicator; therefore, the Sub-Fund's holdings and the weightings may substantially deviate from the composition of the Reference indicator. There is no limit set on the level of such deviation. 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
Robeco Capital Growth Funds Robeco BP Global Premium Equities D
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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.
Legal Documents
KIID
Prospectus
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
Robeco BP Global Premium Equities is an actively managed fund. The fund aims to outperform the benchmark over the long run. The fund invests across market capitalizations, regions and sectors in a flexible manner in developed countries across the world. The selection of these stocks is based on fundamental analysis. The portfolio is consistently built from the bottom up to exhibit attractive valuation, strong business fundamentals and improving business momentum. The fund does not apply an active currency policy, currency exposure is driven by security selection. Benchmark: MSCI World Index (Net Return, EUR) The majority of stocks selected through this approach will be components of the benchmark, but stocks outside the benchmark index may be selected too. The fund can deviate substantially from the weightings of the benchmark. The investment policy is not constrained by a benchmark but the fund may use a benchmark for comparison purposes. The fund can take a substantial active risk. The fund can deviate substantially from the issuer, country and sector weightings of the benchmark. There are no restrictions on the deviation 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 5 years.
The investment policy of the fund is extracted from the KIID
Schroder International Selection Fund Emerging Asia A
Schroder International Selection Fund (Investment company according to Luxembourg law)
Sector/type: Shares (region) : Growth markets
Lower risk Lower potential return
Higher risk Higher potential return
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 1,86%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
Objectives The fund aims to provide capital growth in excess of the MSCI Emerging Markets Asia (Net TR) Index after fees have been deducted over a three to five year period by investing in equities of companies in the emerging markets in Asia. Investment policy The fund is actively managed and invests at least two-thirds of its assets in equities of companies in emerging markets in Asia. The fund may invest directly in China B-Shares and China H-Shares and may invest less than 30% of its assets (on a net basis) directly or indirectly through derivatives in China A-Shares through (i) Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect, (ii) the Renminbi Qualified Foreign Institutional Investor ("RQFII") scheme and (iii) regulated markets. The fund may also invest directly or indirectly in other securities (including other asset classes), countries, regions, industries or currencies, investment funds, warrants and money market investments, and hold cash. The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. Benchmark The fund's performance should be assessed against its target benchmark being to exceed the MSCI Emerging Markets Asia (Net TR) index and compared against the Morningstar Asia ex Japan Equities sector. The majority of the fund's investments may be components of the target benchmark. The investment manager invests on a discretionary basis and is not limited to investing in accordance with the composition of any benchmark. The investment manager will invest in companies or sectors not included in the target benchmark in order to take advantage of specific investment opportunities. Dealing frequency You may redeem your investment upon demand. This fund deals daily. Distribution policy This share class accumulates income received from the fund's investments, meaning it is kept in the fund and its value is reflected in the price of the share class.
The investment policy of the fund is extracted from the KIID
Blackrock Global Funds Euro Markets Fund A2
Blackrock Global Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : Euroland
Lower risk Lower potential return
Higher risk Higher potential return
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 1,82%
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The increase or decrease in volatility may cause a decline in the net asset value.
The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund?s assets. The Fund invests at least 70% of its total assets in the equity securities (e.g. shares) of companies domiciled in European Union (EU) Member States participating in the Economic and Monetary Union of the European Union (EMU). This may, at the investment adviser?s (IA) discretion, include the equity securities of companies domiciled in countries which formerly participated in EMU. The Fund may also gain exposure to investments in those EU Member States that, in the IA opinion, are likely to join the EMU in the foreseeable future and in companies based elsewhere, the main business of which is in EMU-participating countries. The IA may use financial derivative instruments (FDIs) (i.e. investments the prices of which are based on one or more underlying assets) for investment purposes in order to achieve the investment objective of the Fund, and/or to reduce risk within the Fund?s portfolio, reduce investment costs and generate additional income. The Fund may, via FDIs, generate varying amounts of market leverage (i.e. where the Fund gains market exposure in excess of the value of its assets). The Fund is actively managed, and the IA has discretion to select the Fund's investments. In doing so the IA will refer to the MSCI EMU Index when constructing the Fund?s portfolio, and also for risk management purposes to ensure that the active risk (i.e. degree of deviation from the index) taken by the Fund remains appropriate given the Fund?s investment objective and policy. The IA is not bound by the components or weighting of the Index when selecting investments. The IA may also use its discretion to invest in securities not included in the Index in order to take advantage of specific investment opportunities. However, the geographical scope of the investment objective and policy may have the effect of limiting the extent to which the portfolio holdings will deviate from the Index. The Index should be used by investors to compare the performance of the Fund. Recommendation: This Fund may not be appropriate for short-term investment. Your shares will be non-distributing (i.e. dividend income will be included in their value). Your shares will be denominated in Euro, the Fund's base currency. You can buy and sell your shares daily. The minimum initial investment for this share class is US$5,000 or other currency equivalent. For more information on the Fund, share/unit classes, risks and charges, please see the Fund's prospectus, available on the product pages at www.blackrock.com
The investment policy of the fund is extracted from the KIID
Pictet Global Megatrend Selection P
Pictet (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 0,8% on the amount of the position
Ongoing charges 2,02%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
Objectives and investment policy OBJECTIVE To increase the value of your investment. REFERENCE INDEX MSCI ACWI (USD). Used for performance objective and performance measurement. PORTFOLIO ASSETS The Compartment mainly invests in equities of companies that appear to benefit from demographic, environmental, lifestyle and other long-term global trends. The Compartment may invest worldwide, including in emerging markets and Mainland China. DERIVATIVES AND STRUCTURED PRODUCTS The Compartment may use derivatives to reduce various risks (hedging) and for efficient portfolio management, and may use structured products to gain exposure to portfolio assets. COMPARTMENT CURRENCY USD INVESTMENT PROCESS In actively managing the Compartment, the investment manager uses a combination of market and fundamental company analysis to select securities that it believes offer favourable growth prospects at a reasonable price. The portfolio composition is not constrained relative to the benchmark, so the similarity of the Compartment's performance to that of the benchmark may vary. Terms to understand Derivatives Financial instruments whose value is linked to one or more rates, indexes, share prices or other values. Emerging markets Markets of less economically developed nations, such as some nations in Asia, Africa, Eastern Europe and Latin America. Equities Securities that represent a share in the business results of a company. Structured products Securities similar to derivatives, but with defined risk or performance characteristics. Other characteristics Designed for investors who understand the risks of this Compartment and plan to invest for 5 year(s) or more. This is an accumulation share class, meaning any income earned is retained in the share price. Orders to buy, switch or redeem shares are ordinarily processed on any day that is a full bank business day in Luxembourg.
The investment policy of the fund is extracted from the KIID
Vector (Investment company according to Luxemburg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 0,7% on the amount of the position
Ongoing charges 1,95%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
The Fund is a global equity fund that is actively managed on the basis of a set of mathematical valuation models. Throughout a full business cycle, the Fund aims to maximise its alpha while targeting a beta of close to 1 with its benchmark, the global equity index - MSCI World All Countries index calculated ex-dividend (in euro). While the fund strives to have a similar geographical and sector distribution as the benchmark (active weights held at less than 12.5%), a significant part of its investments may not be part of or may have different weightings than the benchmark. Put differently, while the investment manager tries to maintain a similar level of risk (ex?ante tracking error below 7%) as the benchmark, he has the discretion to invest in companies, countries or sectors not included in the benchmark in order to take advantage of specific investment opportunities and generate alpha. In order to achieve this, the Management Company systematically screens global equity markets in search of undervalued stocks, by assessing over 2500 companies on a quantitative basis on their growth, risk and valuation properties. Out of this vast universe, a portfolio of at least 50 companies is constructed, based on their chances of outperforming their peers in the months following their selection. The Fund always aims for a well-balanced diversification of its equity holdings over different sectors and regions (developed as well as emerging), without however subjecting to formal limits, apart from the investment restrictions contained above and in the main part of the Prospectus. Investments may be redeemed every business day (every weekday of the month on which banks are open for business in Luxembourg). Subscription and redemption requests are centralised on each of these days before 11:00 Luxembourg time. Capital gains and other income of the Fund will be capitalised. The Fund may hold cash on an ancillary basis and invest up to 10% of its net assets in units or shares of UCITS. It may also use futures and other derivatives to hedge its currency and market exposure. This Fund may not be suitable for investors planning to withdraw their investment within six years.
The investment policy of the fund is extracted from the KIID
In KEYPLAN you will find different funds bearing the "Sustainable" tag. The selection of these funds and the verification of the sustainability criteria were carried out by Keytrade Bank.
In this selection, we took into account our preference for an open fund architecture. This is why funds from different fund companies were chosen. Within KEYPLAN, 7 of the 40 funds carry this tag.
Some of these funds take a more general approach to the sustainability of stocks or bonds, others focus more on one of the three ESG factors without losing sight of the other factors.
Increased attention to the three ESG factors
The E for Environment such as alternative energies and energy-related technologies or waste recycling.
The S stands for Social, for example attention to human rights, to workers' rights and to the principles of equality.
The G for Governance for a focus on transparency or the fight against corruption.
Within KEYPLAN, the seven funds bearing the "sustainable" tag take these factors into account. Some of these funds go even further and also use exclusion criteria in choosing their investments such as excluding companies related to alcohol, weapons, gambling, pornography and tobacco.
Be sure to read the Key Investor Information Document (KIID) and the fund prospectus for more detailed information on each investment policy.
Opting for a sustainable fund is making a well-advised choice. Be sure to read carefully on how we at Keytrade Bank select on sustainability and find out exactly what this concept means to us.
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%.
Aphilion Q² (Investment company according to Belgian law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
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 1,67%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
The increase or decrease in volatility may cause a decline in the net asset value.
The assets of the subfund "Aphilion Q2 Equities" are invested for at least 95% in shares and comparable securities of countries belonging to the OECD, principally Western Europe, the USA and Japan. The subfund aims to be at least 95% invested in equities. The balance is held as cash. The assets are invested with the goal of generating value increase in the mid-long term. The underlying investment philosophy consists of searching for promising shares and economic sectors which may best contribute to ensuring this investment objective. The reference index is the MSCI World Index in euro. Investors can redeem their shares in the fund at any time. The orders are executed every bank working day at the prevailing net asset value per share. All income (dividends) received by the fund is reinvested in the fund (accumulation shares only). Note: this fund may not be suitable for investors with an investment horizon less than 10 years./p>
The investment policy of the fund is extracted from the KIID
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
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 1,89%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
A fund's attempts to reduce or eliminate certain risks may not work as intended.
The fund aims to provide long-term capital growth with the level of income expected to be low. n The fund will invest at least 70% in shares of companies around the world. n 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. n The fund has the freedom to invest outside its principal geographies, market sectors, industries or asset classes. n As this fund may invest globally, it may invest in countries considered to be emerging markets. n The fund may invest in assets directly or achieve exposure indirectly through other eligible means including derivatives. The fund 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. n The fund is actively managed and references the MSCI World Index (net) (the ??Benchmark??). The Investment Manager has a wide range of discretion over the composition of the fund?s portfolio. It may take exposures that are not included in, and that have different weightings from, the Benchmark. Therefore, there are no restrictions on the extent to which the fund?s performance may deviate from that of the Benchmark. The Investment Manager may set internal guidelines which, in turn, may reference deviations from the Benchmark. n Income earned by the fund is reinvested in additional shares or paid to shareholders on request. n Shares can usually be bought and sold each business day of the fund./p>
The investment policy of the fund is extracted from the KIID
Blackrock Global Funds Euro Markets Fund A2
Blackrock Global Funds (Investment company according to Luxembourg law)
Shares (region) : Euroland
Sector/type: Shares (region) : Euroland
Lower risk Lower potential return
Higher risk Higher potential return
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 1,82%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
KIID
Prospectus
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.