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This is a marketing communication. Please refer to the prospectus of the UCITS and to the Key information document (Priips KID) before making any final investment decisions.
Based on the range of 40 funds, you choose the funds that suit you by indicating what percentage of your investment you want to allocate to each fund.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
The total percentage needs to be 100%.
Aphilion Q² (Investment company according to Belgian law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,5% on the amount of the position
Ongoing charges 1,87%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objectives The "Aphilion Q² Equities" fund invests at least 95% of its assets in in equities or comparable securities of OECD member countries mainly in Western Europe, the United States and Japan. Japan. The fund aims to invest at least 95% in equity markets. markets. The balance is held in cash. Assets are invested with a view to generating capital gains in the the medium term. The basic management philosophy is to equities and sectors that have appreciated in value to an sectors that have appreciated in value to an attractive level performance, and which can optimally guarantee medium-term guarantee medium-term investment appreciation. the medium term. The underlying investments of this financial product do not EU criteria for environmentally sustainable economic activities. sustainable economic activities. The benchmark index is the Bloomberg Developed Markets Large & Mid Cap NR Index in Euro. The benchmark index does not limit the construction of the fund's portfolio, but serves as an objective basis of comparison for the fund's performance. comparison for the performance of the La fund. composition of the fund may differ significantly from the composition of the composition of the benchmark index (active management). Income received by the fund (dividends) is fully reinvested reinvested (accumulation component)./p>
The investment policy of the fund is extracted from the Priips KID
DPAM B Equities World Sustainable B
DPAM B (Investment company according to Belgian law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,8% on the amount of the position
Ongoing charges 1,90%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: The objective of the sub-fund is to offer you exposure to equity securities of companies from around the world. The sub-fund promotes a combination of environmental and social aspects within the meaning of Article 8 of Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector, and must contain a minimum proportion of sustainable investments within the meaning of the same Regulation. This is an actively managed sub-fund, which means that the portfolio manager does not aim to replicate the performance of a benchmark. Investment policy: The sub-fund principally invests (without any sectorial restrictions) in shares and/or other securities giving access to the capital of companies from throughout the world. The selection is based on a methodology that: -excludes companies not in compliance with certain global standards, including the UN Covenant (human rights, labour rights, environmental protection and anti-corruption), -excludes companies involved in controversial activities (tobacco, gambling, thermal coal) or involved in major ESG controversies (incidents, allegations related to environmental, social, governance issues), is based on a best-in-class quantitative ESG approach and a qualitative ESG approach, and -aims to achieve impact and sustainability by ensuring that the company's products and/or services finance ? as a proportion of its turnover ? sustainable development. More information on the product can be found on the website https://www.funds.dpaminvestments.com/funds.html. Derivative products: The sub-fund may, on an optional basis, use derivatives such as options and/or futures contracts (?futures? and/or ?forwards?) in order to achieve the investment objectives and/or for risk hedging purposes (hedging or exposure of/to interest rate and credit risks). Benchmark: MSCI AC World Net Return. Use of the benchmark: The benchmark is used to compare performance. The selection and weighting of the assets in the sub-fund's portfolio may differ significantly from the composition of the benchmark. Subscription/Redemption:You can exchange your shares in this sub-fund for shares in another sub-fund. For more information on this subject, please refer to the information in the prospectus under the heading ?Information about the shares and trading of the shares?. All share subscription or redemption requests may be made prior to 3:00 p.m. (Belgian time) on each business day to Banque Degroof Petercam SA.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Fidelity Funds World Fund A-Euro
Fidelity Funds (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 2,14%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objectives Objective: The fund aims to achieve capital growth over the long term. Investment Policy: The fund invests at least 70% of its assets, in equities of companies from anywhere in the world, including emerging markets. The fund may also invest in money market instruments on an ancillary basis. Investment Process: In actively managing the fund, the Investment Manager considers growth, valuation metrics, company financials, return on capital, cash flows and other financial measures, as well as company management, industry, economic conditions, and other factors. The Investment Manager considers ESG characteristics when assessing investment risks and opportunities. In determining ESG characteristics, the Investment Manager takes into account ESG ratings provided by Fidelity or external agencies. The fund aims to achieve an ESG score of its portfolio greater than that of its benchmark. Through the investment management process the Investment Manager aims to ensure that investee companies follow good governance practices. For more information, see ?Sustainable Investing and ESG Integration? and the Sustainability Annex. Derivatives and Techniques: The fund may use derivatives for hedging and for efficient portfolio management. Benchmark: MSCI World Index, a broad market index that does not take into account ESG characteristics. Used for: investment selection, risk monitoring, and performance comparison. Base Currency: USD Risk Management Method: Commitment. Additional Information: You may sell (redeem) or switch some or all of your shares to another fund on any Valuation Day. Income earned by the fund is reinvested in additional shares or paid to shareholders on request. This key information document describes a sub-fund of Fidelity Funds. A separate pool of assets is invested and maintained for each sub-fund of Fidelity Funds. The assets and liabilities of the fund are segregated from those of other sub-funds and there is no cross-liability among the sub-funds. For more information, please consult the prospectus and latest reports and accounts which can be obtained free of charge in English and other main languages from FIL Investment Management (Luxembourg) S.à.r.l. These documents and details of the Remuneration Policy are available via www.fidelityinternational.com. The Net Asset Value of the fund is available at the registered office of FIL Investment Management (Luxembourg) S.à.r.l., and at www.fidelityinternational.com. Depositary: Brown Brothers Harriman (Luxembourg) S.C.A./p>
The investment policy of the fund is extracted from the Priips KID
Blackrock Global Funds Euro-Markets Fund A2 EUR
Blackrock Global Funds (Investment company according to Luxembourg law)
Shares (region) : Euroland
Sector/type: Shares (region) : Euroland
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,90%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund?s assets and invest in a manner consistent with the principles of environmental, social and governance (ESG) investing. 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 or 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 Fund?s total assets will be invested in accordance with its ESG Policy as disclosed in the prospectus. For further details regarding the ESG characteristics please refer to the prospectus and the BlackRock website at www.blackrock.com/baselinescreens 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. The price of equity securities fluctuates daily and may be influenced by factors affecting the performance of the individual companies issuing the equities, as well as by daily stock market movements, and broader economic and political developments which in turn may affect the value of your investment. The return on your investment in the Fund is directly related to the value of the underlying assets of the Fund, less costs (see ?What are the costs?? below). The relationship between the return on your investment, how it is impacted and the period for which you hold your investment is considered below (see ?How long should I hold it and can I take my money out early??). The depositary of the Fund is The Bank of New York Mellon SA/NV, Luxembourg Branch. Further information about the Fund can be obtained from the latest annual report and half-yearly reports of the BlackRock Global Funds. These documents are available free of charge in English and certain other languages. These can be found, along with other (practical) information, including prices of units, on the BlackRock website at: www.blackrock.com or by calling the International Investor Servicing team on +44 (0) 20 7743 3300. 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./p>
The investment policy of the fund is extracted from the Priips KID
Carmignac Portfolio Grande Europe A EUR Acc
Carmignac Portfolio (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,7% on the amount of the position
Ongoing charges 2,44%
Performance fee 0.49%
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The sub-fund aims to outperform its reference indicator (the Stoxx 600 NR (EUR) index) over a period exceeding five years. In addition, it seeks to invest sustainably for long-term growth. The sub-fund is a European equity sub-fund which invests at least 75% of its assets in equities in the European Economic Area. The sub-fund may also be invested up to 25% of its assets in equities in the OECD countries outside of the European Economic Area. The fund can invest up to 10% of the net assets in bonds with a rating below investment grade. 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. The sub-fund uses derivatives for hedging or arbitrage purposes, 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. 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. The sub-fund may invest up to 10% of its net assets in units or shares of UCIs. 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 sub-fund has a sustainable investment objective in accordance with Article 9 of the Sustainable Finance Disclosure Regulation ('SFDR'). Through a best-in-universe approach, the sub-fund invests at least 80% of its net assets in sustainable investments within the meaning of SFDR, of which at least 10% with an environmental objective and at least 30% with a social objective. Extra financial analysis leads to a reduction of at least 20% in the fund's investment universe via a negative filter excluding companies whose extra financial ratings reflect high risks. In addition, the fund targets carbon emissions (tCO2/ mUSD revenue converted to Euros; aggregated at portfolio level ; Scope 1 and 2 of GHG Protocol) of 50% lower than those of its benchmark. The sustainable investment definition used by the sub-fund uses the United Nations Sustainable Development Goals ('SDGs') framework. This framework is one of several that can be used to illustrate positive results; others may yield different results. The sustainability risk of the sub-fund may differ from that of its reference indicator.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
JPMorgan Funds Europe Strategic Growth Fund A (dist) - EUR
JPMorgan Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 2,19%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective To provide long-term capital growth by investing primarily in a growth style biased portfolio of European companies. Investment Process Investment Approach Q Uses a bottom-up stock selection process. Q Uses the full breadth of the eligible equity investment universe through a combination of fundamental research insights and quantitative analysis. Q Seeks to identify high quality companies with superior momentum. Share Class Benchmark MSCI Europe Growth Index (Total Return Net) Benchmark uses and resemblance Q Performance comparison. The Sub-Fund is actively managed. Though the majority of its holdings (excluding derivatives) are likely to be components of the benchmark, the Investment Manager has broad discretion to deviate from its securities, weightings and risk characteristics. The degree to which the Sub-Fund may resemble the composition and risk characteristics of the benchmark will vary over time and its performance may be meaningfully different. Main investment exposure At least 67% of assets invested in a growth style biased portfolio of equities of companies that are domiciled, or carrying out the main part of their economic activity, in a European country. At least 51% of assets are invested in companies with positive environmental and/or social characteristics that follow good governance practices as measured through the Investment Manager's proprietary ESG scoring methodology and/or third party data. The Sub-Fund invests at least 20% of assets excluding Ancillary Liquid Assets, Deposits with Credit Institutions, money market instruments, money market funds and derivatives for EPM, in Sustainable Investments, as defined under SFDR, contributing to environmental or social objectives. The Sub-Fund excludes certain sectors, companies / issuers or practices from the investment universe based on specific values or norms-based screening policies. These policies set limits or full exclusions on certain industries and companies based on specific ESG criteria and/or minimum standards of business practice based on international norms. To support this screening, it relies on third party provider(s) who identify an issuer's participation in or the revenue which they derive from activities that are inconsistent with the values and norms based screens. Third party data may be subject to limitations in respect of its accuracy and / or completeness. The exclusions policy for the Sub-Fund can be found on the Management Company's Website (www.jpmorganassetmanagement.lu). The Sub-Fund systematically includes ESG analysis in its investment decisions on at least 90% of securities purchased. Other investment exposure Up to 20% of net assets in Ancillary Liquid Assets and up to 20% of assets in Deposits with Credit Institutions, money market instruments and money market funds for managing cash subscriptions and redemptions as well as current and exceptional payments. Up to 100% of net assets in Ancillary Liquid Assets for defensive purposes on a temporary basis, if justified by exceptionally unfavourable market conditions. Derivatives Used for: efficient portfolio management; hedging. Types: see Sub-Fund Derivatives Usage table under How the Sub-Funds Use Derivatives, Instruments and Techniques in the Prospectus. TRS including CFD: none. Global exposure calculation method: commitment. Techniques and Instruments Securities lending: 0% to 20% expected; 20% maximum. Currencies Sub-Fund Base Currency: EUR. Currencies of asset denomination:any. Hedging approach: typically unhedged. Redemption and Dealing Shares of the Sub-Fund may be redeemed on demand, with dealing normally on a daily basis. Distribution Policy This Share Class normally pays an annual dividend in September based on reportable income. This Share Class intends to qualify as a reporting fund under UK tax law for offshore funds. SFDR Classification Article 8/p>
The investment policy of the fund is extracted from the Priips KID
Goldman Sachs Funds V Goldman Sachs Patrimonial Balanced P Dis EUR
Goldman Sachs Funds V (Investment company according to Luxembourg law)
Mixed Neutral Risk : World
Sector/type: Mixed Neutral Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,56%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Fund is classified as a financial product under Article 8 of the EU Sustainable Finance Disclosure Regulation. The Fund promotes environmental or social characteristics and has partial sustainable investments as its objective. The Fund integrates ESG factors and risk in the investment process alongside traditional factors. Detailed information on the sustainability related disclosures of the Fund can be found in the Pre-Contractual Document (annex of the prospectus) on https://www.gsam.com/responsible-investing/en-INT/non-professional/funds/documents. The 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 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 return of the Portfolio depends on the performance of the Portfolio, which is directly related to the performance of its investments. The risk and reward profile of the Portfolio described in this key information document assumes that you hold your investments in the Portfolio for at least the Recommended Holding Period as set out below under the heading ?How long should I hold it and can I take money early out". Please see the section ?How long should I hold it and can I take my money out early?? below for additional details (including restrictions and/or penalties) on the ability to redeem your investment in the Fund./p>
The investment policy of the fund is extracted from the Priips KID
Blackrock Global Funds Sustainable Energy Fund A2 EUR
Blackrock Global Funds (Investment company according to Luxembourg law)
Shares (sector) : Energy
Sector/type: Shares (sector) : Energy
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,66% on the amount of the position
Ongoing charges 2,28%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
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 as described in the prospectus. The companies are rated by the Investment Adviser (IA) based on their ability to manage the risks and opportunities associated with the sustainable energy theme and their environmental, social and governance (ESG) risk and opportunity credentials. 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 Fund adopts a ?best in class? approach to sustainable investing. This means that the Fund selects the best issuers (from an ESG perspective) for each relevant sector of activities (without excluding any sector of activities). More than 90% of the issuers of securities the Fund invests in are ESG rated or have been analysed for ESG purposes. The Fund may gain limited exposure to issuers that that do not meet the sustainable energy and/or these ESG criteria. 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). Any ESG rating or analysis referenced above will apply only to the underlying securities of FDI?s used by the Fund. 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. The weighted average ESG rating of the Fund will be higher than the ESG rating of the MSCI ACWI after eliminating at least 20% of the least well-rated securities from the MSCI ACWI. The price of equity securities fluctuates daily and may be influenced by factors affecting the performance of the individual companies issuing the equities, as well as by daily stock market movements, and broader economic and political developments which in turn may affect the value of your investment. The return on your investment in the Fund is directly related to the value of the underlying assets of the Fund, less costs (see ?What are the costs?? below). The relationship between the return on your investment, how it is impacted and the period for which you hold your investment is considered below (see ?How long should I hold it and can I take my money out early??). The depositary of the Fund is The Bank of New York Mellon SA/NV, Luxembourg Branch. Further information about the Fund can be obtained from the latest annual report and half-yearly reports of the BlackRock Global Funds. These documents are available free of charge in English and certain other languages. These can be found, along with other (practical) information, including prices of units, on the BlackRock website at: www.blackrock.com or by calling the International Investor Servicing team on +44 (0) 20 7743 3300 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.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Robeco Capital Growth Funds Robeco Emerging Markets Equities D EUR
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Shares (region) : Growth markets
Sector/type: Shares (region) : Growth markets
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,825% on the amount of the position
Ongoing charges 1,82%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Risks associated with investments in the people's Republic of China
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: Robeco Emerging Markets Equities is an actively managed fund that invests in stocks in emerging countries across the world. The selection of these stocks is based on fundamental analysis. The fund's objective is to achieve a better return than the index. Given that emerging economies are growing faster than developed countries and have stronger balance sheets for governments, companies and households. The fund selects investments based on top-down country analysis and bottom-up stock ideas. The focus is on companies with a sound business model, solid growth prospects and reasonable valuation. The fund promotes E&S (i.e. Environmental and Social) characteristics within the meaning of Article 8 of the European Sustainable Finance Disclosure Regulation, integrates sustainability risks in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to, normative, activity-based and region-based exclusions, proxy voting and engagement. Benchmark: MSCI Emerging Markets Index (Net Return, EUR) The Sub-fund is actively managed and uses the Benchmark for asset allocation purposes. However, although securities may be components of the Benchmark, securities outside the Benchmark may be selected too. The Sub-fund can deviate substantially from the weightings of the Benchmark. The Management Company has discretion over the composition of the portfolio subject to the investment objectives. The Sub-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. The Benchmark is a broad market weighted index that is not consistent with the environmental, social and governance characteristics promoted by the Sub-fund. Subscription and Redemption: You can purchase or sell (partial) units any given workday, with the exception of Fund Holidays. An overview of fund holidays can be retrieved from www.robeco.com/riam. Currency Risk: The fund is allowed to pursue an active currency policy to generate extra returns. Dividend policy: Accumulating/p>
The investment policy of the fund is extracted from the Priips KID
Robeco Capital Growth Funds Robeco Global Consumer Trends D EUR
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,825% on the amount of the position
Ongoing charges 2,02%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: Robeco Global Consumer Trends is an actively managed fund that invests in stocks in developed and emerging countries across the world. The selection of these stocks is based on fundamental analysis. The fund's objective is to achieve a better return than the index. The fund invests in a number of structural growth trends in consumer spending. The first is the "digital transformation of consumption". The second trend is that of the ?rise of the middle class?.The third trend focuses on the increasing importance of "health & wellbeing". The fund managers aim to select stocks of the structural winners within these trends. The fund promotes E&S (i.e. Environmental and Social) characteristics within the meaning of Article 8 of the European Sustainable Finance Disclosure Regulation, integrates sustainability risks in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to normative, activity-based and region-based exclusions, proxy voting and engagement. Benchmark: MSCI All Country World Index (Net Return, EUR) The Sub-fund is actively managed. The securities selected for the Sub-fund's investment universe may be components of the Benchmark, but securities outside the Benchmark may be selected too. The investment policy is not constrained by a benchmark but the Sub-fund uses a benchmark for comparison purposes. The Management Company has discretion over the composition of the portfolio subject to the investment objectives. The Sub-fund can deviate substantially from the issuer, country and sector weightings of the benchmark. There are no restrictions on the deviation from the benchmark. The benchmark is a broad market weighted index that is not consistent with the environmental, social and governance characteristics promoted by the Sub-fund. Subscription and Redemption: You can purchase or sell (partial) units any given workday, with the exception of Fund Holidays. An overview of fund holidays can be retrieved from www.robeco.com/riam. Currency Risk: The fund can engage in currency hedging transactions. Typically currency hedging is not applied. Dividend policy: Accumulating/p>
The investment policy of the fund is extracted from the Priips KID
Robeco Capital Growth Funds Robeco BP Global Premium Equities D EUR
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6875% on the amount of the position
Ongoing charges 1,94%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: Robeco Emerging Markets Equities is an actively managed fund that invests in stocks in emerging countries across the world. The selection of these stocks is based on fundamental analysis. The fund's objective is to achieve a better return than the index. Given that emerging economies are growing faster than developed countries and have stronger balance sheets for governments, companies and households. The fund selects investments based on top-down country analysis and bottom-up stock ideas. The focus is on companies with a sound business model, solid growth prospects and reasonable valuation. The fund promotes E&S (i.e. Environmental and Social) characteristics within the meaning of Article 8 of the European Sustainable Finance Disclosure Regulation, integrates sustainability risks in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to, normative, activity-based and region-based exclusions, proxy voting and engagement. Benchmark: MSCI Emerging Markets Index (Net Return, EUR) The Sub-fund is actively managed and uses the Benchmark for asset allocation purposes. However, although securities may be components of the Benchmark, securities outside the Benchmark may be selected too. The Sub-fund can deviate substantially from the weightings of the Benchmark. The Management Company has discretion over the composition of the portfolio subject to the investment objectives. The Sub-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. The Benchmark is a broad market weighted index that is not consistent with the environmental, social and governance characteristics promoted by the Sub-fund. Subscription and Redemption: You can purchase or sell (partial) units any given workday, with the exception of Fund Holidays. An overview of fund holidays can be retrieved from www.robeco.com/riam. Currency Risk: The fund is allowed to pursue an active currency policy to generate extra returns. Dividend policy: Accumulating/p>
The investment policy of the fund is extracted from the Priips KID
Vector (Investment company according to Luxemburg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,65% on the amount of the position
Ongoing charges 1,93%
Performance fee 0.06%
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The objective of the investment policy is to achieve the highest possible growth in value by investing in global equity in euros. The fund is benchmarked to the MSCI World All Countries Index, whereby the fund is actively managed within its objectives and the fund management may deviate from the benchmark in whole or in part at any time./p>
The investment policy of the fund is extracted from the Priips KID
Franklin Templeton Investment Funds Templeton Global Total Return Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Bonds basket foreign currencies (without term) : Miscellaneous
Sector/type: Bonds basket foreign currencies (without term) : Miscellaneous
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,525% on the amount of the position
Ongoing charges 1,59%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Investment Objective 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. Investment Policy 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 may hold significant amounts of bank deposits, money market instruments or money market funds due to the use of derivatives or in order to achieve its investment goals and for treasury purposes. 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. The benchmark of the Fund is the Bloomberg Multiverse Index. The benchmark is used solely as a reference for Investors to compare against the Fund's performance, and the benchmark is neither used as a constraint on how the Fund's portfolio is to be constructed nor set as a target for the Fund's performance to beat. The Fund can deviate from the benchmark. Share Class Policy The income received from the Fund's investments is accumulated with the result of increasing the value of the shares. Processing of subscription and redemption orders You may request the sale of your shares on any Dealing Day (as defined in the current prospectus of the Fund)./p>
The investment policy of the fund is extracted from the Priips KID
Franklin Templeton Investment Funds Franklin U.S. Opportunities Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Shares (country) : United States
Sector/type: Shares (country) : United States
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 2,23%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Investment Objective The Fund is classified as Article 8 under EU Sustainable Finance Disclosure Regulation and aims to increase the value of its investments over the medium to long term. Investment Policy The Fund pursues an actively managed investment strategy and invests mainly in: ? equity securities issued by companies of any size located in, or doing significant business in, the U.S. The Fund can invest to a lesser extent in: ? securities issued by private companies and Private Investments in Public Equity and special purpose acquisition companies (each limited to 5% of the Fund's assets) The investment team focuses on high-quality companies that it believes have exceptional potential for fast and sustainable growth. The benchmarks are used for performance comparison purposes. The Russell 3000 Growth Index is considered the Fund's primary benchmark because it consists of growth securities, which is aligned with the investment manager's focus on growth securities in managing the Fund. The performance of the S&P 500 Index may also be provided because it is considered a proxy for the US equity market. While the Investment manager is unconstrained in the active management of the Fund and has absolute discretion to invest in companies not included in the benchmarks, the Fund's performance may, from time to time, present close similarities to these benchmarks. Share Class Policy For the distribution share class shown in this document, dividend income is distributed to shareholders. Processing of subscription and redemption orders You may request the sale of your shares on any Dealing Day (as defined in the current prospectus of the Fund)./p>
The investment policy of the fund is extracted from the Priips KID
Pictet Global Megatrend Selection P EUR
Pictet (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,8% on the amount of the position
Ongoing charges 2,10%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
To increase the value of your investment while seeking to achieve a positive environmental and / or social impact. Reference Index MSCI AC World (USD), an index that does not take into account environmental, social and governance (ESG) factors. Used for risk monitoring, 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 Investment Manager considers ESG factors a core element of its strategy by seeking to invest mainly in economic activities that contribute to an environmental and social objective whilst avoiding activities that adversely affect society or the environment. Voting rights are methodically exercised and there may be engagement with companies to positively influence ESG practices. For further information, please refer to our exclusion framework in the Responsible Investment policy*, SFDR product category Article 8. The portfolio composition is not constrained relative to the benchmark, so the similarity of the fund's performance to that of the benchmark may vary./p>
The investment policy of the fund is extracted from the Priips KID
Goldman Sachs Funds III Goldman Sachs Emerging Markets Debt (Hard Currency) P Dis EUR (hedged i)
Goldman Sachs Funds III (Investment company according to Luxembourg law)
Bonds basket foreign currencies (without term) : Growth markets
Sector/type: Bonds basket foreign currencies (without term) : Growth markets
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,71%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Risk of less developed countries
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Fund is classified as a financial product under Article 8 of the EU Sustainable Finance Disclosure Regulation. The Fund promotes environmental or social characteristics but does not have a sustainable investment objective. The Fund integrates ESG factors and risk in the investment process alongside traditional factors. Detailed information on the sustainability related disclosures of the Fund can be found in the Template Pre-contractual disclosure (annex of the prospectus) on https://www.gsam.com/responsible-investing/en-INT/non-professional/funds/documents. The fund invests in debt instruments (i.e. notes, bonds, certificates etc) denominated in currencies of economically developed and politically stable countries which are members of the OECD (Organisation for Economic Cooperation and Development). We invest in countries where we are able to assess specific political and economic risks and in countries that have undertaken certain economic reforms. The issuers of the debt instruments are mainly established in low and middle income developing countries (emerging markets). We invest in South and Central American (including the Caribbean), Central and Eastern European, Asian, African and Middle Eastern debt instruments. Measured over a period of several years, we aim to beat the performance of the benchmark JP Morgan EMBI Global Diversified hedged (EUR). The benchmark is a broad representation of the investment universe. We actively manage the fund via country allocation, curve positioning and bond selection. The portfolio is diversified across countries and instruments. The portfolio composition can materially deviate from the benchmark. For this specific hedged share class we apply a currency hedging strategy. The sub-fund?s base currency is US dollar (USD). By hedging this share class we aim to exchange the base currency of the sub-fund (USD) with the base currency of this share class euro (EUR). A currency hedge consists of taking an offsetting position in another currency. 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 to provide you with a regular dividend. The return of the Portfolio depends on the performance of the Portfolio, which is directly related to the performance of its investments. The risk and reward profile of the Portfolio described in this key information document assumes that you hold your investments in the Portfolio for at least the Recommended Holding Period as set out below under the heading ?How long should I hold it and can I take money early out". Please see the section ?How long should I hold it and can I take my money out early?? below for additional details (including restrictions and/or penalties) on the ability to redeem your investment in the Fund./p>
The investment policy of the fund is extracted from the Priips KID
Franklin Templeton Investment Funds Templeton Asian Smaller Companies Fund A-Acc EUR
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Shares (region) : Asia Pacific ex Japan
Sector/type: Shares (region) : Asia Pacific ex Japan
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,925% on the amount of the position
Ongoing charges 2,27%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Risk of less developed countries
- Equity risk
- Concentration risk
- Hedging risk
- Risks associated with investments in the people's Republic of China
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Investment Objective Templeton Asian Smaller Companies Fund (the ?Fund?) is classified as Article 8 under EU Sustainable Finance Disclosure Regulation and aims to increase the value of its investments over the medium to long term. Investment Policy The Fund pursues an actively managed investment strategy and invests mainly in: ? equity securities issued by smaller companies (i.e. with a market capitalisation within the range of the market capitalisations of companies included in the MSCI AC Asia ex-Japan Small Cap Index) located in, or doing significant business in, Asia (excluding Japan) The Fund can invest to a lesser extent in: ? equity, equity-related (such as participatory notes) or debt securities issued by companies of any size located in any country, including any other emerging markets ? derivatives for hedging and efficient portfolio management The investment team uses global research expertise with a focus on identifying companies in Asian countries, including emerging markets, that it believes to be overlooked by other investors and to offer an opportunity for increased value over the long term. The benchmark of the Fund is the MSCI AC Asia ex-Japan Small Cap Index-NR. The Fund uses a benchmark index to define small caps as the range of acceptable market caps at initial purchase and also as a reference for Investors to compare against the Funds' performance. The Fund is not obliged to hold any of the benchmark constituents and may indeed invest up to 100% of its net assets outside the benchmark. Share Class Policy The income received from the Fund's investments is accumulated with the result of increasing the value of the shares. Processing of subscription and redemption orders You may request the sale of your shares on any Dealing Day (as defined in the current prospectus of the Fund)./p>
The investment policy of the fund is extracted from the Priips KID
DNCA Invest (Investment company according to Luxembourg law)
Mixed Neutral Risk : Europe
Sector/type: Mixed Neutral Risk : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,62%
Performance fee 0.47%
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Emerging markets risk
- Equity risk
- Leverage risk
- Hedging risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Product seeks to outperform the 20% Eurostoxx 50 + 80% FTSE MTS Global composite index calculated with dividends reinvested, over the recommended investment period. Investors? attention is drawn to the fact that the management style is discretionary and integrates environmental, social / societal and governance (ESG) criteria. The overall investment strategy of the Product 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 Product however dos not benefit from a guarantee on capital invested. The Product is also managed taking into consideration Responsible and Sustainable principles and promotes environmental and/or social characteristics within the meaning of Article 8 of SFDR. The investment process take into account internal scoring based on an extra-financial analysis through a proprietary rating model (ABA, Above & Beyond Analysis) developed internally by DNCA. The risk exists that the models used to make these investment decisions do not perform the tasks they were designed to. The use of the proprietary tool relies on the experience, relationships and expertise of DNCA with the "best in universe" method. There may be a sector bias. The Product will proceed to the extra-financial analysis on at least 90% of its securities, while excluding 20% of the worst issuers from its investment universe. Additional information on SRI strategy may be obtained in the prospectus of the Product. The following limits apply: - For up to 100% of its net assets, the Sub-Fund may be exposed to fixed income securities. Within the limit the fixed income securities may mostly be denominated in Euro, composed of securities issued by public or private sector-issuers, and be incorporated in a country which is an OECD member state, without any ranting constraint including non-rated issues. - For up to 50% of its net assets the Sub-Fund may be exposed to securities belonging to the ?speculative grade? category (i.e. which have a rating below a Standard & Poor?s minimum A-3 short term or BBB- long term rating or equivalent) or non-rated. The Management Company shall not solely base its investment decisions on ratings assigned by independant rating agencies and can proceed to its own credit risk assessment. - For up to 35% of its net assets, the Sub-Fund may be exposed to equities. Within this limit, the equities may moslty be issued by issuers incorporated in OECD members states, belonging to all market capitalisations catergories, 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. - Up to 5% of its net assets, the Sub-Fund may be exposed to securities which may qualify as distressed securities (i.e. which have a Standard & Poor?s rating below CCC long-term rating or equivalent). - The Sub-Fund may invest up to 15% of its net assets in Asset backed securities (ABS) inter alia mortgage backed securities (MBS) invested into shall consist of securities that are rated at least B- by Standard & Poor?s for example or that are considered of a comparable credit quality by the Management Company. The aggregate exposure to equities incorporated in non-OECD members states and/or (ii) fixied income securities issued by issuers incorporated in a non-OECD member state and/or guaranteed by a non-OECD member state, may not exceed 10% of the net asset of the Product. - Up to 10% of its net assets in contingent convertibles bonds. 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 other UCIs including ETFs. In order to achieve the investment objective, the Product may invest in equities or related financial derivative instruments for the purpose of hedging or increasing equity or interest rate risk without seeking overexposure. The Product may also be exposed up to 100% of its net assets to financial derivative instruments or OTC derivatives such as, but not limited to, futures, options, CDS, CDS on indices, negotiated on regulated or OTC markets, for hedging or investment purposes (e.g. increasing equity exposure, interest rate risk, credit risk, without seeking overexposure). The Product is actively managed and uses the benchmark for performance comparison purposes. This means the Management Company is taking investment decisions with the intention of achieving the Product?s investment objective; this may include decisions regarding asset selection and overall level of exposure to the market. The Management Company is not in any way constrained by the benchmark in its portfolio positioning. The deviation from the benchmark may be complete or significant. This is an accumulation share./p>
The investment policy of the fund is extracted from the Priips KID
Invesco Funds Invesco Sustainable Pan European Systematic Equity Fund A-Acc-EUR
Invesco Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,65% on the amount of the position
Ongoing charges 1,87%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
- The objective of the Fund is to achieve long-term capital growth. - The Fund intends to invest primarily in shares of European companies, which meet the Fund?s environmental, social and governance (ESG) criteria with a particular focus on environmental issues. - The Fund is managed using ?quantitative methods?. ?Quantitative methods? are defined as mathematical, logical and statistical techniques used for stock selection purposes. - The Fund?s ESG criteria is based on a set of screening thresholds determined by the investment manager, which will be reviewed and applied on an ongoing basis. These criteria are integrated as part of the ?quantitative methods? for stock selection and portfolio construction. - Positive screening is also used based on an integrated-best-in-class approach to identify issuers, which in the view of the Investment Manager meet sufficient practice and standards in terms of transition to a lower carbon economy for inclusion in the Fund?s universe, as measured by their ratings relative to their peers using a third party score. - Screening is also employed to exclude companies and/or issuers which derive or generate a pre-determined level of revenue or turnover from controversial activities. - The Fund may use securities lending for efficient portfolio management purposes. - The Fund may use derivatives (complex instruments) to manage the Fund more efficiently, with the aim of reducing risk, reducing costs and/or generating additional capital or income. - The Fund is actively managed and is not constrained by its benchmark, the MSCI Europe Index (Net Total Return), which is used for comparison purposes. However, the majority of the Fund?s holdings are likely to be 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 securities, weightings and risk characteristics will differ. As a result, it is expected that over time the risk return characteristics of the Fund may diverge materially to the benchmark. - The Fund promotes environmental, social and governance (ESG) criteria as covered under Article 8 of the Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector. - 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 reinvested./p>
The investment policy of the fund is extracted from the Priips KID
R-co (Investment company according to French law)
Mixed flexible
Sector/type: Mixed flexible
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,58% on the amount of the position
Ongoing charges 1,66%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The investment objective of the SICAV is to seek performance, over a recommended investment horizon of at least five years, by implementing active, discretionary management based, in particular, on anticipating changes in the various markets (equities, bonds) and selecting financial instruments through financial analysis of issuers. As a result, the SICAV does not have a benchmark. The strategy used to select the SICAV?s underlying securities is based on the following criteria: sustainable growth prospects, weak competition (a dominant position with close to a technical or commercial monopoly), a clear understanding of the business of the company in question, and a reasonable price. The SICAV may invest, depending on market trends, between 0% and 100% in the equities of companies with any market capitalisation (up to 20% in small caps, including micro caps) from any geographical region (and up to 100% in equities from non-OECD countries, including emerging countries); between 0% and 100% in bonds with up to 20% in convertible bonds and up to 100% in callable and puttable bonds issued by public and/or corporate issuers with any rating; up to 20% of the portfolio may be invested in high-yield bonds and up to 10% in non-rated bonds; and lastly between 0% and 10% in UCITS. Up to 100% of the SICAV?s assets may be exposed, directly and indirectly, to non-OECD countries including emerging markets, and up to 20% may be exposed to the risks associated with small caps, including micro caps. The SICAV may also use securities with embedded derivatives and forward financial instruments to achieve hedging against and exposure to equity, interest rate and foreign exchange risk, as well as temporary purchases and sales of securities. The portfolio?s consolidated exposure (via securities, UCITS and forwards) across all markets, will be up to a maximum of 200%. Specifically, the consolidated exposure of the UCITS: - to the equity market and currency market will not exceed 100% for each of these risks; - to the fixed-income market will keep the portfolio?s modified duration* within a range of -1 to 9. The positive contribution of environmental, social and governance (ESG) criteria may be taken into consideration in investment decisions, although it is unlikely to be the decisive factor. Valuation frequency: Daily. Centralisation of subscription/redemption (S/R) orders: at 4.00 pm every day (NAV-1) with Rothschild Martin Maurel for bearer shares recorded at Euroclear, and with IZNES for pure registered shares already recorded or to be recorded on IZNES?s shared electronic record system (DEEP). Order execution: NAV of the next business day. Settlement date of S/R orders: NAV + 2 business days. This is an accumulation share class. * Modified duration measures the variation in the price of a fixed-rate bond when interest rates change. The longer the residual term of a bond, the higher the modified duration./p>
The investment policy of the fund is extracted from the Priips KID
Fidelity Funds Emerging Market Debt Fund A-EUR
Fidelity Funds (Investment company according to Luxembourg law)
Bonds basket foreign currencies (without term) : Growth markets
Sector/type: Bonds basket foreign currencies (without term) : Growth markets
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,85%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Risk of less developed countries
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objectives Objective: The fund aims to achieve capital growth over time and provide income. Investment Policy: The fund invests at least 70% of its assets, in emerging market debt securities issued by governments, quasi governments, banks, financial institutions and corporate entities. The fund may also invest in other types of debt securities, equity securities, lower quality debt securities and on an ancillary basis in money market instruments.The fund may invest in the following assets according to the percentages indicated: Listed China onshore bonds (directly and/or indirectly): less than 30% (in aggregate) hybrids and contingent convertible (CoCo) bonds: less than 30%, with CoCos less than 20%. The fund may also invest in other subordinated financial debt and preference shares. The fund is unconstrained in the amount that it may invest in below investment grade securities or issuers. The fund?s exposure to distressed securities is limited to 10% of its assets. Investment Process: In actively managing the fund, the Investment Manager uses in-house research and investment capabilities to identify suitable opportunities across bond issuers, sectors, geographies, and security types. This may include an assessment of bond issuers? creditworthiness, macroeconomic factors, and valuations. The Investment Manager considers ESG factors when assessing investment risks and opportunities. In determining ESG factors, the Investment Manager takes into account ESG ratings provided by Fidelity or external agencies. The fund aims to achieve an ESG score of its portfolio greater than that of its benchmark. Through the investment management process the Investment Manager aims to ensure that investee issuers and countries follow good governance practices. For more information, see ?Sustainable Investing and ESG Integration? and the Sustainability Annex. Derivatives and Techniques: The fund may use derivatives for hedging, efficient portfolio management and investment purposes. Benchmark: J.P. Morgan Emerging Markets Bond Index - Global Diversified, a broad market index that does not take into account ESG characteristics. Used for: risk monitoring, investment selection and performance comparison. Base Currency: USD Risk Management Method: Commitment. Additional Information: You may sell (redeem) or switch some or all of your shares to another fund on any Valuation Day. As this is a non-distributing share class, dividends are re-invested. This key information document describes a sub-fund of Fidelity Funds. A separate pool of assets is invested and maintained for each sub-fund of Fidelity Funds. The assets and liabilities of the fund are segregated from those of other sub-funds and there is no cross-liability among the sub-funds. For more information, please consult the prospectus and latest reports and accounts which can be obtained free of charge in English and other main languages from FIL Investment Management (Luxembourg) S.à.r.l. These documents and details of the Remuneration Policy are available via www.fidelityinternational.com. The Net Asset Value of the fund is available at the registered office of FIL Investment Management (Luxembourg) S.à.r.l., and at www.fidelityinternational.com. Depositary: Brown Brothers Harriman (Luxembourg) S.C.A./p>
The investment policy of the fund is extracted from the Priips KID
Vector (Investment company according to Luxembourg law)
Mixed flexible
Sector/type: Mixed flexible
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,65% on the amount of the position
Ongoing charges 2,17%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The objective of the investment policy is to achieve the highest possible growth in value by investing in global equity in euros. The fund is benchmarked to a combination of the MSCI World All Countries Index and the Euro short-term rate, whereby the fund is actively managed within its objectives and the fund management may deviate from the benchmark in whole or in part at any time./p>
The investment policy of the fund is extracted from the Priips KID
Nordea 1 Stable Return Fund AP EUR
Nordea 1 (Investment company according to Luxembourg law)
Mixed Neutral Risk : World
Sector/type: Mixed Neutral Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 2,05%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Investment Objective The fund's objective is to provide shareholders with investment growth and achieve relatively stable income. Investment Strategy 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. Investment Policy The fund mainly invests, directly or through derivatives, in equities as well as various other asset classes such as bonds issued by companies, financial institutions or public authorities, money market instruments and currencies from anywhere in the world. Specifically, the fund may invest in equities and equity-related securities, debt securities and debtrelated securities and money market instruments. The fund may be exposed (through investments or cash) to other currencies than the base currency. Derivatives: The fund may use derivatives 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. Usage of Total Return Swaps % total assets : 10% expected; 20% maximum. More information on leverage and usage of TRS is available in the fund's prospectus and accessible via www.nordea.lu. (Legal section) Techniques and Instruments Usage : None expected Benchmark EURIBOR 1M. Benchmark use The benchmark is used for performance comparison only. The fund's portfolio is actively managed without reference or constraints relative to its benchmark. Responsible Investment The fund is promoting environmental and/or social characteristics as per Article 8 of the EU Sustainable Finance Disclosure Regulation (SFDR). The fund partly invests in sustainable investments. The fund considers principal adverse impacts on sustainability factors. Further information is available in the fund's prospectus and on www.nordea.lu. Redemption and Dealing: Any investor may redeem its shares in the fund on demand, on a daily basis. Distribution policy: This share class may pay out distributions once a year after the annual general meeting of the shareholders. Base Currency: The fund is denominated in EUR. Investments in this share class settle as well in EUR./p>
The investment policy of the fund is extracted from the Priips KID
DNCA Invest Sri Europe Growth A
DNCA Invest (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,9% on the amount of the position
Ongoing charges 2,10%
Performance fee 1.12%
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Product's objective is to outperform Pan-European equity markets over the recommended investment period. The STOXX EUROPE 600 Net Return EUR reference indicator, calculated with dividends reinvested, is provided for a posteriori comparison purposes. Investors? attention is drawn to the fact that the management style is discretionary and integrates environmental, social / societal and governance (ESG) criteria. To achieve its investment objective, the Product's investment strategy relies on active discretionary management aimed at investing in high-quality Pan-European "growth" stocks. The selection process is based on picking stocks according to their intrinsic worth (an indepth analysis of fundamentals is conducted in-house), not on the composition of the benchmark index. Investments may therefore be concentrated on a limited number of stocks; there must nevertheless be at least 20 stocks in the portfolio. In this context, the Sub-Fund implements active conviction management and SRI approach. The investment process and resulting stock picking take into account internal scoring with respect to both corporate responsibility and sustainability of companies based on an extra-financial analysis trough a proprietary tool developed (ABA, Above & Beyond Analysis), developed internally by the Management Company. This model is centered on four pillars as further detailed below (i) corporate responsibility, (ii) sustainable transition, (iii) controversies and (iv) dialogue and engagement with issuers. The MAnagement Company uses a proprietary ESG analysis approach with the "best in universe" method. There may be a sector bias.The risk exists that the models used to make these investment decisions do not perform the tasks they were designed to. This extra-financial analysis is made on at least 90% of the Product's net assets, and results in the exclusion of at least 20% of the worst issuers of shares from its investment universe. The Product benefits from the French SRI Label. Additional information on SRI strategy may be obtained in the prospectus of the Product. The Product may at any time invest in: - Equities of issuers having their registered office in the EU or related financial derivative instruments (such as CFD or DPS): from 60% to 100% of its net assets. - Equities outside the EU: from 0% to 40% of its net assets - Corporate or government fixed income securities denominated in Euro: from 0% to 25% of its net assets. At least 50% of the Product's assets shall be invested in stocks of issuers belonging to the STOXX EUROPE 600 Net Return Index. Investment in small and mid-cap stocks (less than EUR 3 billion) may not exceed 50% of the Product's net assets. The Product may be exposed to emerging markets for 5% of its net assets. Exposure to exchange risk may reach 100% of the Product's net assets. Corporate or government fixed income securities shall mainly be selected from the "Investment grade" category. The proportion of speculative issues may not represent more than 10% of the Product's net assets. Investment in units and or shares of UCITS and/or other UCIs is limited to 10% of the Product's net assets. The Product may use exchange traded or OTC derivatives (other than CFD and DPS) up to 40% of the Product's net assets, including but not limited to, futures contracts and non complex options negotiated on regulated markets for the purpose of hedging or increasing equity risk without seeking overexposure. The Product may also operate on the foreign exchange markets to cover investments realised outside the euro area. The Product uses the benchmark for the calculation of the performance fee and performance comparison purposes. The benchmark is also used as a reference point for portfolio construction as at least 50% of the Products? assets shall be invested in stocks of issuers belonging to the benchmark. The Product is actively managed. This means the Managememnt Company is taking investment decisions with the intention of achieving the Product?s investment objective. The Product may take positions whose weightings diverge from the benchmark and will invest less than 50% of its assets in securities which are not included in the benchmark. The investment strategy will restrict the extent to which the portfolio holdings may deviate from the benchmark. This deviation may be limited. This is an accumulation share./p>
The investment policy of the fund is extracted from the Priips KID
Robeco Capital Growth Funds Robeco BP US Large Cap Equities D EUR
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Shares (country) : United States
Sector/type: Shares (country) : United States
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,6875% on the amount of the position
Ongoing charges 1,82%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: Robeco Emerging Markets Equities is an actively managed fund that invests in stocks in emerging countries across the world. The selection of these stocks is based on fundamental analysis. The fund's objective is to achieve a better return than the index. Given that emerging economies are growing faster than developed countries and have stronger balance sheets for governments, companies and households. The fund selects investments based on top-down country analysis and bottom-up stock ideas. The focus is on companies with a sound business model, solid growth prospects and reasonable valuation. The fund promotes E&S (i.e. Environmental and Social) characteristics within the meaning of Article 8 of the European Sustainable Finance Disclosure Regulation, integrates sustainability risks in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to, normative, activity-based and region-based exclusions, proxy voting and engagement. Benchmark: MSCI Emerging Markets Index (Net Return, EUR) The Sub-fund is actively managed and uses the Benchmark for asset allocation purposes. However, although securities may be components of the Benchmark, securities outside the Benchmark may be selected too. The Sub-fund can deviate substantially from the weightings of the Benchmark. The Management Company has discretion over the composition of the portfolio subject to the investment objectives. The Sub-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. The Benchmark is a broad market weighted index that is not consistent with the environmental, social and governance characteristics promoted by the Sub-fund. Subscription and Redemption: You can purchase or sell (partial) units any given workday, with the exception of Fund Holidays. An overview of fund holidays can be retrieved from www.robeco.com/riam. Currency Risk: The fund is allowed to pursue an active currency policy to generate extra returns. Dividend policy: Accumulating/p>
The investment policy of the fund is extracted from the Priips KID
Pictet Global Environmental Opportunities P EUR
Pictet (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,8% on the amount of the position
Ongoing charges 2,06%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
To increase the value of your investment while seeking to achieve a positive environmental and/or social impact. Reference Index MSCI AC World (EUR), an index that does not take into account environmental, social and governance (ESG) factors. Used for risk monitoring, performance objective and performance measurement. Portfolio Assets The Compartment mainly invests in equities of companies with a low environmental footprint that contribute to solving global environmental challenges such as the transition towards a lower carbon economy, sustainable resources management, monitoring and prevention of pollution, or for example protection of scarce resources such as water. 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 EUR 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 investment manager considers ESG factors a core element of its strategy by seeking to invest mainly in economic activities that contribute to an environmental objective whilst avoiding activities that adversely affect society or the environment. Voting rights are methodically exercised and there may be engagement with companies to positively influence ESG practices. For further information, please refer to our exclusion framework in the Responsible Investment policy*, SFDR product category Article 9. 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.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Edmond de Rothschild Fund Bond Allocation A
Edmond de Rothschild Fund (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,4% on the amount of the position
Ongoing charges 1,72%
Performance fee 0.35%
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objectives Objective: The Product's objective is to offer an annualised performance exceeding its reference index. Benchmark index: The benchmark will be expressed in the Class currency. The benchmark of the Product is composed of 50% of the Bloomberg Barclays Euro Aggregate Corporate Total Return Index and 50% of the Bloomberg Barclays Euro Aggregate Treasury Total Return Index. The benchmark index serves only for comparison purposes. The Product is actively managed. Investment policy: The Investment Manager will systematically include environmental, social and governance (ESG) factors in their financial analysis in order to select the portfolio?s securities. At least 90% of debt securities and money market instruments or those issued by ?emerging? countries will have an ESG rating within the portfolio. At the end of this process, the Product will have an ESG rating that is greater than that of its investment universe. Furthermore, the security selection process also includes a negative filter to exclude companies that contribute to the production of controversial weapons in compliance with international conventions in this area as well as companies that are exposed to activities related to thermal coal or tobacco in accordance with the exclusion policy of Edmond de Rothschild Group, which is available on its website: https://www.edmond-de-rothschild.com/en/Pages/Responsible-investment.aspx. The Product classifies as Article 8(1) SFDR as it promotes a combination of ESG characteristics, although no reference benchmark has been designated for the purpose of attaining the environmental or social characteristics. In view of its ESG strategy, the Product promotes environmental characteristics but does not invest in environmentally sustainable economic activities. The investments underlying this financial product do not take into account the EU criteria for environmentally sustainable economic activities, in the context of the Taxonomy Regulation. The investment approach of the Product combines both top-down and bottom-up factors. As such the Product 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 Product 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. The Product may invest up to 20% of its net assets in onshore RMB (CNY) denominated debt securities. Onshore RMB denominated debt securities (CNY) may include securities traded both directly on the Chinese interbank bond market (CIBM) and PRC Stock Exchanges. These investments will be made through the Bond Connect program. The Product?s Modified Duration may vary from -2 to 8. The Product may use financial derivative instruments to achieve its investment objective. These strategies, due to the use of derivatives, may potentially induce a relatively high leverage. Up to the limit of 10% of its net assets, the Product may invest in units or shares of UCITS or other Investment Funds./p>
The investment policy of the fund is extracted from the Priips KID
Schroder International Selection Fund Emerging Asia A capitalisation EUR
Schroder International Selection Fund (Investment company according to Luxembourg law)
Shares (region) : Growth markets
Sector/type: Shares (region) : Growth markets
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 2,59%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Risks associated with investments in the people's Republic of China
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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. The fund is actively managed and invests at least two-thirds of its assets in equity and equity related securities of companies in the 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 (for example via participatory notes) in China A-Shares through (i) Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect, (ii) the Qualified Foreign Investor ("QFI") scheme, (iii) shares listed on the Science Technology and Innovation (STAR) Board and the ChiNext, and (iv) regulated markets. The fund may also invest up to one-third of its assets 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 (subject to the restrictions provided in appendix I). The fund may use derivatives with the aim of reducing risk or managing the fund more efficiently. The fund is valued with reference to the net asset value of the underlying assets. 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 Category. The fund's investment universe is expected to overlap materially, directly or indirectly, with the components of the target benchmark. The comparator benchmark is only included for performance comparison purposes and does not determine how the investment manager invests the fund's assets. The investment manager invests on a discretionary basis and there are no restrictions on the extent to which the fund's portfolio and performance may deviate from the target benchmark. Currency: The sub-fund currency is USD. The share class currency is EUR. 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. Depositary: J.P. Morgan SE/p>
The investment policy of the fund is extracted from the Priips KID
Triodos Sicav I Triodos Impact Mixed Fund - Neutral Euro R
Triodos Sicav I (Investment company according to Luxembourg law)
Mixed Neutral Risk : World
Sector/type: Mixed Neutral Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,45% on the amount of the position
Ongoing charges 1,52%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The fund aims to increase the value of your investment over the medium to long term, while seeking to maximise positive impact on society and the environment. The fund has sustainable investment as its objective as set out in article 9 SFDR. The fund invests in a balanced mix of bonds (including impact and other corporate bonds and government bonds) and equities of companies in developed countries. These companies and the proceeds of the impact and corporate bonds must contribute to, or finance projects in, at least one of the following transitions (as defined by Triodos): resource transition, energy transition, food transition, societal transition or wellbeing transition. Issuers that do not meet the Triodos sustainability standards are excluded from investment. Bonds can be issued by corporate bodies or governments. All bonds must be investment grade and denominated in EUR. The return of the fund is determined on the one hand by interest and dividend income from investments minus the costs of managing the fund, and on the other hand by the price changes of the investments, including currency effects for the equities. The return of the fund depends to a large extent on interest rate and currency developments and market movements. The fund is actively managed. It compares its returns with the MSCI World Index (50%), iBoxx Euro Corporates Overall Total Return (30%) and iBoxx Euro Eurozone Sovereign 1-10 Total Return (20%), which it does not aim to replicate or outperform. The fund may deviate from the benchmark because it only invests in companies that meet strict sustainability criteria.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Fidelity Funds Global Multi Asset Income Fund A-ACC-Euro (hedged)
Fidelity Funds (Investment company according to Luxembourg law)
Mixed Low Risk : World
Sector/type: Mixed Low Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,625% on the amount of the position
Ongoing charges 2,32%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: The fund aims to achieve moderate capital growth over the medium to long term and provide income. Investment Policy: The fund invests in a range of asset classes including debt securities, equities, real estate, infrastructure, from anywhere in the world, including emerging markets. The fund may invest in the following assets according to the percentages indicated: investment grade bonds: up to 100% below investment grade bonds: up to 60% emerging market bonds: up to 50% equities: up to 50% government bonds: up to 50% China A and B shares and listed onshore bonds (directly and/or indirectly): less than 20% (in aggregate) eligible REITs and infrastructure securities: less than 30% (in each asset class) hybrids and contingent convertible (CoCo) bonds: less than 30%, with less than 20% in contingent convertible (CoCo) bonds money market instruments: up to 25% SPACs: less than 5% The fund may also invest in other subordinated financial debt and preference shares. The fund?s exposure to distressed securities is limited to 10% of its assets. Investment Process: In actively managing the fund, the Investment Manager will allocate investments across asset classes and geographic areas based on their potential to generate income and capital growth or reduce overall risk. The fund?s income is mainly generated by dividend payments of equities and coupon payments of bonds. The Investment Manager considers ESG characteristics when assessing investment risks and opportunities. In determining ESG characteristics, the Investment Manager takes into account ESG ratings provided by Fidelity or external agencies. Through the investment management process, the Investment Manager aims to ensure that investee companies follow good governance practices. The fund adheres to specific multi asset ESG criteria. For information, see ?Sustainable Investing and ESG Integration? and the Sustainability Annex. Derivatives and Techniques: The fund may use derivatives for hedging, efficient portfolio management and investment purposes. Benchmark: None. Base Currency: USD Risk Management Method: Commitment. Additional Information: You may sell (redeem) some or all of your Shares on any Valuation Day. As this is a non-distributing share class, dividends are re-invested. This key information document describes a sub-fund of Fidelity Funds. A separate pool of assets is invested and maintained for each sub-fund of Fidelity Funds. The assets and liabilities of the fund are segregated from those of other sub-funds and there is no cross-liability among the sub-funds. For more information, please consult the prospectus and latest reports and accounts which can be obtained free of charge in English and other main languages from FIL Investment Management (Luxembourg) S.A. These documents and details of the Remuneration Policy are available via https://www.fil.com. The Net Asset Value of the funds is available at the registered office of FIL Investment Management (Luxembourg) S.A., and at www.fidelityinternational.com. Depositary: Brown Brothers Harriman (Luxembourg) S.C.A./p>
The investment policy of the fund is extracted from the Priips KID
Amundi Funds Euro Aggregate Bond A EUR
Amundi Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,4% on the amount of the position
Ongoing charges 1,37%
Performance fee 0.09%
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
To achieve a combination of income and capital growth (total return). The Sub-Fund invests at least 67% of assets in euro-denominated instruments. These are: - debt instruments issued by Eurozone governments or state agencies, or by supranational entities such as the World Bank - investment-grade corporate debt instruments - MBS (up to 20% of its net assets). The Sub-Fund invests at least 50% of net assets in bonds denominated in euro. The Sub-Fund makes use of derivatives to reduce various risks and for efficient portfolio management. The Sub-Fund may use credit derivatives (up to 40% of net assets). The Sub-Fund is actively managed by reference to and seeks to outperform the Bloomberg Euro Aggregate (E) Index. The Sub-Fund is mainly exposed to the issuers of the Benchmark, however, the management of the Sub-Fund is discretionary, and will be exposed to issuers not included in the Benchmark. The Sub-Fund monitors risk exposure in relation to the Benchmark however the extent of deviation from the Benchmark is expected to be significant. The Sub-Fund has not designated the Benchmark as a reference benchmark for the purpose of the Disclosure Regulation. The investment team analyses interest rates and economic trends (top-down) to identify the bond market segment that appear likely to offer the best risk-adjusted returns. The investment team then uses both technical and fundamental analysis, including credit analysis, to select issuers and securities (bottom-up) and to construct a diversified portfolio. The Sub-Fund seeks to achieve an ESG score of its portfolio greater than that of the investment universe./p>
The investment policy of the fund is extracted from the Priips KID
Goldman Sachs Funds III Goldman Sachs Euro Sustainable Credit (Ex-Financials) P Dis EUR
Goldman Sachs Funds III (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,325% on the amount of the position
Ongoing charges 0,92%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Fund is classified as a financial product under Article 8 of the EU Sustainable Finance Disclosure Regulation. The Fund promotes environmental or social characteristics and has partial sustainable investments as its objective. The Fund integrates ESG factors and risk in the investment process alongside traditional factors. Detailed information on the sustainability related disclosures of the Fund can be found in the Pre-Contractual Document (annex of the prospectus) on https://www.gsam.com/responsible-investing/en-INT/non-professional/funds/documents. The fund invests predominantly in euro-denominated debt securities and Money Market Instruments from issuers pursuing sustainable development while taking into account environmental, social and governance principles. To determine our eligible sustainable universe, companies are screened using exclusionary screening. Companies with serious and structural issues concerning controversial behavior are excluded. We do not invest in issuers involved in activities including but not limited to, the development, production, maintenance or trade of controversial weapons, the production of tobacco products, thermal coal mining and/or oil sands production. Further, more stringent restrictions are applicable for investments in issuers involved in activities related to gambling, weapons, adult entertainment, fur & specialty leather, Arctic drilling and shale oil & gas. 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-). Measured over a period of several years we aim to beat the performance of the benchmark Bloomberg 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. Our selection process involves both financial analysis and ESG (Environmental, Social and Governance) analysis. In the selection process, the focus of the analysis is on companies that pursue a policy of sustainable development next to their financial targets. We combine this analysis 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 return of the Portfolio depends on the performance of the Portfolio, which is directly related to the performance of its investments. The risk and reward profile of the Portfolio described in this key information document assumes that you hold your investments in the Portfolio for at least the Recommended Holding Period as set out below under the heading ?How long should I hold it and can I take money early out". Please see the section ?How long should I hold it and can I take my money out early?? below for additional details (including restrictions and/or penalties) on the ability to redeem your investment in the Fund.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Capital International Fund Capital Group Global High Income Opportunities (Lux) B
Capital International Fund (Investment company according to Luxembourg law)
Bonds basket foreign currencies (without term) : Miscellaneous
Sector/type: Bonds basket foreign currencies (without term) : Miscellaneous
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,75% on the amount of the position
Ongoing charges 1,70%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- High yield risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
To provide, over the long term, a high level of total return, of which a large component is current income. The fund invests primarily in emerging market bonds and corporate high yield bonds from around the world, denominated in USD and various national currencies (including emerging markets currencies). These are usually listed or traded on other regulated markets. Unlisted securities may also be purchased. In addition to the integration of sustainability risks as part of the investment adviser's investment decision making process, the investment adviser aims to manage a carbon footprint lower than the fund's selected index level as specified in the prospectus. The investment adviser also evaluates and applies ESG and normsbased screening to implement a negative screening policy relating to the fund's investments in corporate issuers and sovereign issuers. The fund may invest up to 10% in distressed securities. The fund's level of leverage is expected to be 75% of the net assets of the fund, as calculated using the sum of the notionals, not taking into account any netting of the derivatives and hedging arrangements that the fund has in place at any time. Under certain circumstances (e.g. very low market volatility), the actual fund's level of leverage may increase from time to time to higher levels./p>
The investment policy of the fund is extracted from the Priips KID
Invesco funds Invesco Pan European High Income A Annual Distributio
Invesco funds (Investment company according to Luxembourg law)
Mixed flexible
Sector/type: Mixed flexible
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,625% on the amount of the position
Ongoing charges 1,75%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Emerging markets risk
- Equity risk
- Leverage risk
- Hedging risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Umbrella Fund is established under the laws of Luxembourg and harmonised under the EU Council Directive 2009/65/EC relating to Undertakings for Collective Investment in Transferable Securities (UCITS). Term The Fund does not have a maturity date and may only be terminated in accordance with the terms set out in the Prospectus. Objectives - The objective of the Fund is to achieve a high level of income together with longterm capital growth. - The Fund intends to invest primarily in debt instruments (including contingent convertibles) and shares of companies in Europe. - The Fund may invest in debt instruments which are in financial distress (distressed securities). - The Fund may use securities lending for efficient portfolio management purposes. - 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 an actively managed mixed asset fund with flexible exposure to both shares of companies and debt instruments, where the benchmark, the 45% ICE BofA Euro High Yield Index (Total Return), 35% Bloomberg Pan European Aggregate Corp EUR Hedged Index (Total Return)& 20% MSCI Europe ex UK Index (Net Total Return), is used for comparison purposes. As the benchmark is a suitable proxy for the investment strategy, it is likely that some of the holdings/issuers of the Fund are also represented in the benchmark. - The Fund has broad discretion to deviate materially from the weightings and therefore it is expected that over time the risk and return characteristics of the Fund may diverge materially to the benchmark. - The Fund promotes environmental, social and governance (ESG) criteria as covered under Article 8 of the Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector. - 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 annually./p>
The investment policy of the fund is extracted from the Priips KID
BNP Paribas Funds Sustainable Euro Corporate Bond Classic Cap
BNP Paribas Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,45% on the amount of the position
Ongoing charges 1,36%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Fund seeks to increase the value of its assets over the medium term by investing in investment grade bonds issued in any currencies by European companies or companies operating in the European Union that respect sustainable development criteria (social responsibility and/or environmental responsibility and/or corporate governance). After hedging, the sub-fund?s exposure to currencies other than the EUR will not exceed 5%. It is actively managed and as such may invest in securities that are not included in the index which is Bloomberg Barclays Euro Aggregate Corporate (RI). The investment team applies also BNP PARIBAS ASSET MANAGEMENT?s sustainable Investment Policy, which takes into account Environmental, Social and Governance (ESG) criteria such as but not limited to reduction of emissions of greenhouse gas, respect of human rights, respect of minority shareholders rights, at each step of the investment process of the Fund. The Fund follows the Enhanced ESG approach which means that the Fund implements more explicit ESG tilts (Invest in the most sustainable companies according to specific criteria and/or incorporating a wider range of exclusions) leading to more stringent ESG and/or Carbon performance targets. The approach is implemented in order to consistently eliminate at least 20% of the index prior to applying ESG filters. An extra-financial strategy may comprise methodological limitations such as the ESG Investment Risk as defined by the asset manager. Incomes are systematically reinvested. Investors are able to redeem on a daily basis (on Luxembourg bank business days) as described in the prospectus./p>
The investment policy of the fund is extracted from the Priips KID
Columbia Threadneedle (Lux) I CT (Lux) European High Yield Bond 1E Acc EUR
Columbia Threadneedle (Lux) I (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,60%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- High yield risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The Fund aims to provide income with the potential to grow the amount you invested over the medium to long term. The Fund invests at least two-thirds of its assets in below investment grade bonds (which are similar to a loan and pay a fixed or variable interest rate) priced in Euros or Sterling and issued by companies in Europe, including the UK, or companies that have significant operations there. Bonds rated as below investment grade have received lower ratings from international agencies that provide such ratings and are considered riskier than higher rated bonds but typically pay a higher income. The Fund may use derivatives (complex instruments) for hedging purposes and may also invest in asset classes and instruments different from those stated above. The Fund is actively managed in reference to the ICE BofA European Currency High Yield Excluding Subordinated Financials Constrained Index. The index is broadly representative of the securities in which the Fund invests, and provides a suitable target benchmark against which Fund performance will be measured and evaluated over time. The index is not designed to specifically consider environmental or social characteristics. The fund manager has discretion to select investments with weightings different to the index, and that are not in the index, and the Fund may display significant divergence from the index. The Fund promotes environmental and social characteristics by integrating a range of responsible investment measures into the investment process, and ensures that the companies it invests in follow good governance practices. The Fund aims to compare favourably against the index over rolling 12-month periods when assessed using the Columbia Threadneedle ESG (environmental, social and governance) Materiality Rating model, which indicates how much exposure a company has to material ESG risks and opportunities. At least 50% of the Fund is invested in companies that have a strong rating. The Fund also commits to investing at least 5% of its assets in sustainable investments. The Fund excludes companies that derive certain levels of revenue from industries such as, but not limited to, coal and tobacco. It also excludes companies that have direct involvement in nuclear or controversial weapons, and companies determined to have breached international standards and principles. The fund manager engages with companies to encourage improvement of their ESG practices. Columbia Threadneedle Investments is a signatory to the Net Zero Asset Managers Initiative and has committed to an ambition to reach net zero emissions by 2050 or sooner for a range of assets, including the Fund. The fund manager uses its proactive engagement with companies to assist with progressing this and may disinvest from those not meeting the minimum standards. Further information about the environmental or social characteristics promoted by the Fund is available in the SFDR RTS Annex of the Prospectus available at www.columbiathreadneedle.com. The Fund is considered to fall within the scope of Article 8 of SFDR. Income from investments in the Fund will be added to the value of your shares. You can buy or sell shares in the Fund on any day which is a business day in Luxembourg unless the directors have decided that insufficient markets are open. You can find more detail on the investment objective and policy of the Fund in the prospectus. For more information on investment terms used in this document, please see the Glossary available at www.columbiathreadneedle.com.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Invesco Funds Invesco Euro Bond Fund A-SD
Invesco Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,375% on the amount of the position
Ongoing charges 1,13%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
- 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 may use securities lending for efficient portfolio management purposes. - 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 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. - The Fund promotes environmental, social and governance (ESG) criteria as covered under Article 8 of the Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector. - 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./p>
The investment policy of the fund is extracted from the Priips KID
JPMorgan Funds Asia Pacific Equity Fund A (acc) EUR
JPMorgan Funds (Investment company according to Luxembourg law)
Shares (region) : Asia Pacific ex Japan
Sector/type: Shares (region) : Asia Pacific ex Japan
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 2,12%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Risk of less developed countries
- Equity risk
- Concentration risk
- Hedging risk
- Risks associated with investments in the people's Republic of China
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective To provide long-term capital growth by investing primarily in companies in the Asia Pacific Basin (excluding Japan). Investment Process Investment Approach Q Uses fundamental and systematic research inputs to identify stocks with specific style characteristics, such as value and momentum in price and earnings trends. Q Uses a high conviction approach to finding the best investment ideas. Share Class Benchmark MSCI All Country Asia Pacific ex Japan Index (Total Return Net) Benchmark uses and resemblance Q Performance comparison. The Sub-Fund is actively managed. Though the majority of its holdings (excluding derivatives) are likely to be components of the benchmark, the Investment Manager has broad discretion to deviate from its securities, weightings and risk characteristics. The degree to which the Sub-Fund may resemble the composition and risk characteristics of the benchmark will vary over time and its performance may be meaningfully different. Main investment exposure At least 67% of assets invested in equities of companies that are domiciled, or carrying out the main part of their economic activity, in an Asia Pacific Basin country (excluding Japan), including emerging markets. The Sub-Fund may invest in small capitalisation companies and have significant positions in specific sectors or markets from time to time. The Sub-Fund may invest up to 20% of its assets in China A-Shares through the China-Hong Kong Stock Connect Programmes. The Sub-Fund may invest in securities that rely on VIE structures to gain indirect exposure to underlying Chinese companies. At least 51% of assets are invested in companies with positive environmental and/or social characteristics that follow good governance practices as measured through the Investment Manager's proprietary ESG scoring methodology and/or third party data. The Sub-Fund invests at least 20% of assets excluding Ancillary Liquid Assets, Deposits with Credit Institutions, money market instruments, money market funds and derivatives for EPM, in Sustainable Investments, as defined under SFDR, contributing to environmental or social objectives. The Sub-Fund excludes certain sectors, companies / issuers or practices from the investment universe based on specific values or norms-based screening policies. These policies set limits or full exclusions on certain industries and companies based on specific ESG criteria and/or minimum standards of business practice based on international norms. To support this screening, it relies on third party provider(s) who identify an issuer's participation in or the revenue which they derive from activities that are inconsistent with the values and norms based screens. Third party data may be subject to limitations in respect of its accuracy and / or completeness. The exclusions policy for the Sub-Fund can be found on the Management Company's Website (www.jpmorganassetmanagement.lu). The Sub-Fund systematically includes ESG analysis in its investment decisions on at least 90% of securities purchased. Other investment exposure Up to 20% of net assets in Ancillary Liquid Assets and up to 20% of assets in Deposits with Credit Institutions, money market instruments and money market funds for managing cash subscriptions and redemptions as well as current and exceptional payments. Up to 100% of net assets in Ancillary Liquid Assets for defensive purposes on a temporary basis, if justified by exceptionally unfavourable market conditions. Derivatives Used for: hedging; efficient portfolio management. Types: see Sub-Fund Derivatives Usage table under How the Sub-Funds Use Derivatives, Instruments and Techniques in the Prospectus. TRS including CFD: none. Global exposure calculation method: commitment. Techniques and Instruments Securities lending: 0% to 20% expected; 20% maximum. Currencies Sub-Fund Base Currency: USD. Currencies of asset denomination: any. Hedging approach: typically unhedged. Redemption and Dealing Shares of the Sub-Fund may be redeemed on demand, with dealing normally on a daily basis. Distribution Policy This Share Class does not pay dividends. Earned income is retained in the Net Asset Value. SFDR Classification Article 8/p>
The investment policy of the fund is extracted from the Priips KID
Robeco Capital Growth Funds Robeco Smart Materials D eur
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Shares (sector) : Commodities
Sector/type: Shares (sector) : Commodities
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,825% on the amount of the position
Ongoing charges 1,75%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
Objective: Robeco Smart Materials Equities is an actively managed fund that invests globally in companies that provide innovative materials and process technologies. The selection of these stocks is based on fundamental analysis. The fund has sustainable investment as its objective, within the meaning of Article 9 of the Regulation (EU) 2019/2088 of 27 November 2019 on Sustainability-related disclosures in the financial sector. The strategy integrates sustainability criteria as part of the stock selection process and through a theme-specific sustainability assessment. The portfolio is built on the basis of an eligible investment universe that includes companies whose business models contribute to the thematic investment objectives. The assessment regarding relevant SDGs uses an internally developed framework, more information on which can be obtained at www.robeco.com/si. The fund also aims to achieve a better return than the index. The fund has sustainable investment as its objective within the meaning of Article 9 of the European Sustainable Finance Disclosure Regulation. The fund fosters solutions to reduce resource intensity in the economy by investing in more efficient, scalable materials that have lower emissions over the lifetime, mainly investing in companies that advance the UN Sustainable Development Goals (SDGs): Decent Work and Economic Growth, Industry, Innovation and Infrastructure, Sustainable Cities and Communities, and Responsible Consumption and Production and Climate Action. The fund integrates ESG (Environmental, Social and Governance) factors in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to, normative, activity-based and region-based exclusions, carbon reduction target and proxy voting. Benchmark: MSCI World Index TRN The securities selected for the Sub-fund's investment universe may be components of the Benchmark, but securities outside the Benchmark may be selected too. The investment policy is not constrained by a benchmark but the Sub-fund uses a benchmark for comparison purposes. The Portfolio Manager has discretion over the composition of the portfolio subject to the investment objectives. The Sub-fund can deviate substantially from the issuer, country and sector weightings of the benchmark. There are no restrictions on the deviation from the benchmark. The benchmark is a broad market weighted index that is not consistent with the sustainable objective of the Sub-fund. The Sub-fund will use the Custom Bloomberg Climate Transition Benchmark to monitor the carbon profile of the Sub-fund. Subscription and Redemption: You can purchase or sell (partial) units any given workday, with the exception of Fund Holidays. An overview of fund holidays can be retrieved from www.robeco.com/riam. Currency Risk: The fund is allowed to pursue an active currency policy to generate extra returns and can engage in currency hedging transactions. Dividend policy: Accumulating
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Carmignac Portfolio Tech Solutions A EUR Acc
Carmignac Portfolio (Investment company according to Luxembourg law)
Shares (sector) : Software, Hardware & Technology
Sector/type: Shares (sector) : Software, Hardware & Technology
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,7% on the amount of the position
Ongoing charges 2,05%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
The sub-fund aims to outperform its reference indicator (the MSCI AC World Information Technology 10/40 Capped NR Index) over a period exceeding five years. In addition, it seeks to invest sustainably for long-term growth. The Sub-Fund's investment strategy is to invest primarily in the information technology sector, including, for example, companies active in software, computer manufacturing, communication equipment, semiconductors and IT services. At least 51% of the portfolio is invested in global equities in the information technology sector, without restrictions in terms of allocation by geographical zone or market capitalisation. The investment in equity markets in emerging countries does not exceed 30% of the Sub-Fund's net assets. The Sub-Fund's net assets may be invested on an ancillary basis in money market instruments, negotiable debt securities, and fixed or floating rate, secured debt (including covered bonds), which may be linked to inflation in the Eurozone or international markets including emerging markets. The sub-fund may invest up to 10% of its net assets in units or shares of investment funds. The portfolio manager also reserves the right to invest up to 10% of the net assets in bonds with a rating below investment grade. In order to achieve its investment objective, the sub-fund may invest in futures traded on Eurozone and international markets, including emerging markets, for exposure or hedging purposes. The other derivatives that may be used by the portfolio manager for exposure or hedging purposes include CFDs (contracts for difference), forwards, forward exchange contracts, options (simple, barrier, binary), and swaps (including performance swaps), involving one or more risks/underlying instruments in which the portfolio manager may invest. This sub-fund is an actively managed UCITS. An actively managed UCITS is one where the investment manager has discretion over the composition of its portfolio, subject to the stated investment objectives and policy. This sub-fund is actively managed in reference to its Reference indicator. The sub-fund's investment universe is at least partly derived from the Reference indicator in terms of allocation by region, sector or market capitalisation. 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./p>
The investment policy of the fund is extracted from the Priips KID
(*) The synthetic risk indicator gives an indication of the risk associated with investing in a collective investment. The scale goes from 1 (weakest risk) to 7 (highest). The lowest category does not indicate that the investment is risk free. The indicator is based on historical data and may possibly not be a reliable indication of the future risk profile of the fund. The type of risk is not a guarantee and may change over time. (you can find more information here)
The manager or the management company may decide to stop selling shares in the fund.
Fund means «Undertaking for collective Investment» (“UCI”). UCI is a general term used for different undertakings collecting money from the public and whose activity consists in managing an investment portfolio. The fund notion contains as well collective investment schemes in the form of an investment company (such as the Sicav or Sicafi) as the contractual funds (such as the Mutual Fund) and their sub-funds.
All funds quote in euro.
The minimum investment in Keyplan is 25 euros per year. There are no entry or exit fees.
Publication of the NAV of the funds: www.beama.be, De Tijd, L’Echo.
Before investing in funds through the Keyplan, we invite you to read the prospectus and the Priips KID of the funds in the Keyplan. You can find these easily by clicking on the name of the fund.
KEYPLAN is an investment plan with undetermined duration.
If you have a complaint, please contact our Quality Care Service: qualitycare@keytradebank.com
If the complaint is not handled to your full satisfaction, you may submit it to the Ombudsfin, Ombudsman of financial conflicts: www.ombudsfin.be - ombudsman@ombudsfin.be
(1) The taxes that are mentioned apply to an average non-professional client-natural person, Belgian resident.
(2) The choice of investing style or composition of the KEYPLAN is made by your own initiative and not following a recommendation or advice from Keytrade Bank.
(3) Withholding tax on the capital gain realized on the fixed income portion of the fund at redemption if the fund contains more than 10% fixed income products.