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KEYPLAN / KEYPLAN builder

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Become a client
KEYPLAN / KEYPLAN builder

Your results

The default investment style is Balanced.
You can change your amounts or choose another investment style: Cautious, Balanced, Audacious, or A la carte. (2)
Starting amount

Optional

Regular investment

25 € minimum

Frequency
Total cash invested

€

KEYPLAN

€

Difference

€

The graph shows the historical evolution of the value of the KEYPLAN portfolio calculated on the basis of the historical net asset value ("NAV") of the funds in this KEYPLAN taking into account the starting amount (optional) and the periodic investment amount introduces by the client in the simulation tool from the start date of the youngest fund in this plan until the last subscription date (every 5th day of the month). The graph relates to the past and is not a reliable indicator for the future. NAV source: vwd group

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.

0%
0%

The total percentage needs to be 100%.

Set up your plan
Name

Carmignac Patrimoine A

Carmignac Patrimoine (Unit trust according to French law)

Sector/type: Mixed Neutral Risk : World

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding three years. * The reference indicator is the following composite index: 50% MSCI AC WORLD NR (USD) index calculated with net dividends reinvested, and 50% Citigroup WGBI All Maturities index calculated with coupons reinvested. The reference indicator is rebalanced each quarter and converted into euro for EUR units and hedged units, and into the reference currency of each unit class for unhedged units. * The Fund's principal performance drivers are the following: - Equities: a maximum of 50% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, with up to 25% of net assets exposed to emerging countries). - Fixed income products: between 50% and 100% of the Fund's net assets is invested in fixed rate and/or variable rate government and/or corporate bonds and money market instruments. The average rating of the bonds held by the Fund shall be at least investment grade (as rated by at least one of the leading rating agencies). Fixed income products from emerging countries may not exceed 25% of net assets. - Currencies: The Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. * Up to 15% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,7% on the amount of the position

Ongoing charges 1,85%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Carmignac Investissement A

Carmignac Investissement (Unit trust according to French law)

Sector/type: Shares (region) : World

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding five years, using an active, discretionary investment strategy. * The reference indicator is the MSCI AC WORLD NR (USD) index, calculated with net dividends reinvested. * The Fund is invested in financial markets all over the world. Its main performance drivers are as follows: - Equities: at least 60% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, including emerging countries) - Currencies: the Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. Net currency exposure may be as much as 125% of net assets. * Up to 10% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex,but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units. * The Fund may invest in transferable debt securities and bonds on an ancillary basis.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,7% on the amount of the position

Ongoing charges 2,03%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Carmignac Emergents A

Carmignac Emergents (Unit trust according to French law)

Sector/type: Shares (region) : Growth markets

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding five years. * The reference indicator is the MSCI EM NR (USD) calculated with net dividends reinvested (Morgan Stanley Emerging Markets index). * At least 60% of the fund's assets are permanently exposed to equities, with two thirds thereof issued by companies or issuers that have their registered office or carry out a significant part of their business in emerging countries. The assets may also consist of fixed income securities, debt securities or money market instruments denominated in euro or other currencies as well as variable rate bonds. Up to 40% of the assets may be invested in fixed income products for the purpose of risk diversification in the event of expected negative movements in equities. * Up to 10% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,7% on the amount of the position

Ongoing charges 1,92%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Invesco Funds Invesco Pan European Equity Fund A (cap)

Invesco Funds (Investment company according to Luxembourg law)

Sector/type: Shares (region) : Europe

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

- The objective of the Fund is to achieve long-term capital growth.
- The Fund intends to invest primarily in shares of companies.
- The Fund invests primarily in Europe.
- The Fund is actively managed within its objectives and is not constrained by a benchmark.
- You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus).
- Any income from your investment will be reinvested.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,75% on the amount of the position

Ongoing charges 1,98%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Axa Rosenberg Equity Alpha Trust Axa Rosenberg Japan Equity Alpha Fund B

Axa Rosenberg Equity Alpha Trust (Unit Trust according to Irish law)

Sector/type: Shares (country) : Japan

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

Investment Objective The aim of the Sub-Fund is to provide long-term capital growth above that of the Topix Index on a rolling three year basis. The Topix Index is designed to measure the performance of the shares of larger companies listed on the Tokyo Stock Exchange. The index's composition is available on www.tse.or.jp/english/. Investment Policy The Sub-Fund invests primarily in shares of larger companies listed on the Tokyo Stock Exchange. The fund manager uses a proprietary systematic stock selection model to identify shares of companies that it believes to be attractive investment opportunities, relative to their industry peers, based on analysis of their valuation and earnings prospects. From these shares, the fund manager seeks to construct a portfolio with the best expected risk/return trade off to meet the Fund's objective. The fund manager considers financial information as well as environmental, social and governance (ESG) information in determining the best expected risk/return trade off. In constructing the Fund's portfolio, the fund manager references the index which means that, while the fund manager has discretion to select the investments for the fund, the fund's divergence from the index is controlled. The fund manager may lend shares held by the Sub-Fund to third parties to generate additional income for the Sub-Fund. Investment Horizon This Fund may not be suitable for investors who plan to withdraw their contribution within 5 years. Income Net income earned by the Sub-Fund is accumulated and reinvested on behalf of the Unitholders holding accumulation type unit classes. Net income earned by the Sub-Fund may be declared and paid out to Unitholders holding distributing type unit classes, in line with the distribution policy set-out in the Prospectus. Sub-Fund Currency The reference currency of the Sub-Fund is JPY. Processing of subscription and redemption orders The subscription, conversion or redemption orders must be received by the Registrar and Transfer Agent, no later than 1 p.m. Irish time one business day before the relevant Dealing (business) Day. Orders will be processed at the Net Asset Value calculated for that Dealing Day. Please note that there may be additional processing time if your order is placed via intermediaries such as platforms, financial advisors or distributors.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,675% on the amount of the position

Ongoing charges 1,51%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Fidelity Funds World Fund A

Fidelity Funds (Investment company according to Luxembourg law)

Sector/type: Shares (region) : World

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

* Aims to provide long-term capital growth with the level of income expected to be low.
* At least 70% are invested in equity securities of companies around the world.
* The investment manager is not restricted in its choice of companies either by region, industry or size. The selection of equity securities will primarily be based on the availability of attractive investment opportunities.
* Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes.
* Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income in line with the fund's risk profile.
* The fund has discretion in its choices of investments within its objectives and policies.
* Income is reinvested in additional shares or paid to shareholders on request.
* Shares can usually be bought and sold each business day of the fund.
* This fund may not be appropriate for investors who plan to sell their shares in the fund within 5 years. Investment in the fund should be regarded as a long-term investment.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) 30%

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,6% on the amount of the position

Ongoing charges 1,92%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Fidelity Funds America Fund A

Fidelity Funds (Investment company according to Luxembourg law)

Sector/type: Shares (country) : United States

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

* Aims to provide long-term capital growth with the level of income expected to be low.
* At least 70% invested in the shares of US companies.
* Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes.
* Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income in line with the fund's risk profile.
* The fund has discretion in its choices of investments within its objectives and policies.
* Income is reinvested in additional shares or paid to shareholders on request.
* Shares can usually be bought and sold each business day of the fund.
* This fund may not be appropriate for investors who plan to sell their shares in the fund within 5 years. Investment in the fund should be regarded as a long-term investment.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) 30%

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,6% on the amount of the position

Ongoing charges 1,90%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Robeco QI Global Dynamic Duration DH

Robeco QI Global Dynamic Duration (Investment company according to Luxembourg law)

Sector/type: Bonds Euro (without term) : Euro

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

Robeco QI Global Dynamic Duration invests worldwide in government bonds with investment grade quality. The fund uses bond futures to adjust the duration (interest-rate sensitivity) of the portfolio. Duration positioning is based on our proprietary duration model, which predicts the direction of the bond markets using financial market data. The aim of the fund is to protect against rising yields and to benefit from rallying bond markets. All currency risks are hedged. Benchmark: JPM GBI Global Investment Grade Index (hedged into EUR) The fund aims to outperform by taking positions that deviate from the benchmark. This share class of the fund does not distribute dividend. You can purchase or sell units in the fund on any valuation day. This fund may not be appropriate for investors who plan to withdraw their money within 3 years.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,35% on the amount of the position

Ongoing charges 0,85%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

CapitalatWork Foyer Umbrella Contrarian Equities At Work C

CapitalatWork Foyer Umbrella (Investment company according to Luxembourg law)

Sector/type: Shares (region) : World

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of US and European companies listed or traded on a stock exchange or on another regulated market. These equities are generally neglected by the markets, but offer attractive prospects. To a lesser extent, the Sub-fund also invests its assets in companies from other global regions. The Sub-fund invests on the basis of an analysis of the cash flows of Asian companies while maintaining a diversified allocation of the Sub-fund?s investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,5% on the amount of the position

Ongoing charges 1,31%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Franklin Templeton Investment Funds Franklin Euro Government Bond Fund A

Franklin Templeton Investment Funds (Investment company according to Luxembourg law)

Sector/type: Bonds Euro (without term) : Euro

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

Franklin Euro Government Bond Fund (the "Fund") aims to maximise the investment return by achieving an increase in the value of its investments and earning income over the medium to long term.
The Fund invests mainly in:
· higher-quality debt securities issued by governments and government-related entities located within the European Monetary Union (EMU)
The Fund can invest to a lesser extent in:
· debt securities of any quality issued by governments and government-related entities located outside the EMU (limited to 15% of assets invested outside the EMU and lower-quality securities combined)
· derivatives for hedging purposes and/or efficient portfolio management
The Fund will seek to remove currency risk by hedging non-euro investments to the euro. In making investment decisions, the investment team thoroughly researches various factors that may affect bond prices.
The Fund may distribute income gross of expenses. Whilst this might allow more income to be distributed, it may also have the effect of reducing capital.
You may request the sale of your shares on any Luxembourg business day.
For the distribution share class shown in this document, dividend income is distributed to shareholders.
For further information on the Objectives and Investment Policy of the Fund, please refer to the section "Fund Information, Objectives and Investment Policies" of the current prospectus of Franklin Templeton Investment Funds. The benchmark of the Fund is the Bloomberg Barclays Euro Government Bond Index. The benchmark is indicated for information purposes only, and the Fund manager does not intend to track it. The Fund can deviate from this benchmark.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) 30%

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,35% on the amount of the position

Ongoing charges 0,80%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Invesco Funds Invesco Active Multi-Sector Credit Fund A

Invesco Funds (Investment company according to Luxembourg law)

Sector/type: Hedge Funds/Absolute Return

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

- The objective of the Fund is to achieve long-term capital growth and income.
- The Fund intends to gain exposure to debt instruments including but not limited to investment grade (high quality) and non-investment grade (lower quality with a minimum rating of B- by Standard and Poor?s rating agency or equivalent) debt instruments, including debt instruments which are in financial distress (distressed securities).
- The Fund intends to gain exposure worldwide in both developed and emerging markets.
- The Fund may also gain exposure to the loans market through derivatives and other eligible complex instruments.
- The Fund may also gain exposure to securitised debt.
- The Fund will make significant use of derivatives (complex instruments) in order to (i) reduce the risk and/or generate additional capital or income and/or (ii) meet the Fund?s investment objectives by generating varying amounts of leverage (i.e. where the Fund gains market exposure in excess of the net asset value of the Fund).
- The Fund is actively managed within its objectives and is not constrained by a benchmark.
- You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus).
- Any income from your investment will be reinvested.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,375% on the amount of the position

Ongoing charges 1,04%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

JPMorgan Funds Europe Strategic Growth Fund A

JPMorgan Funds (Investment company according to Luxembourg law)

Sector/type: Shares (region) : Europe

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

The Sub-Fund aims to provide long-term capital growth by investing primarily in a growth style biased portfolio of European companies.
At least 67% of the Sub-Fund's assets (excluding cash and cash equivalents) will be invested in a growth style biased portfolio of equity securities of companies that are domiciled in, or carrying out the main part of their economic activity in, a European country.
The Sub-Fund may invest in assets denominated in any currency and currency exposure may be hedged.
The Sub-Fund may use financial derivative instruments for the purposes of hedging and efficient portfolio management.
Redemption and Dealing: Shares of the Sub-Fund may be redeemed on demand, with dealing normally on a daily basis.
Management Discretion: The Investment Manager has the discretion to buy and sell investments on behalf of the Sub-Fund within the limits of the Objective and Investment Policy.
Benchmark: The benchmark of the Share Class is MSCI Europe Growth Index (Total Return Net). The benchmark is a point of reference against which the performance of the Share Class may be measured. The portfolio of the Sub-Fund may bear little resemblance to its benchmark.
Distribution Policy: This Share Class will normally pay dividends.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) 30%

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,75% on the amount of the position

Ongoing charges 1,75%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

BL Global Equities B

BL (Investment company according to Luxembourg law)

Sector/type: Shares (region) : World

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

Objectives
Seeking a long-term capital gain.
Investment policy
The sub-fund invests a minimum of 75% of its net assets in shares. A maximum of 10% of the net assets may be invested in open-ended investment funds.
The sub-fund may also use derivative products for hedging purposes or in order to optimise the portfolio's exposure.
Investments are made without any geographical, sector-based or monetary restrictions.
The companies are chosen on the basis of their intrinsic characteristics and their valuations.
The underlying funds are selected on the basis of quantitative then qual- itative criteria. The monitoring process is performed through regular con- tact with the managers of each of the underlying funds in the portfolio. The objective is to use underlying funds which best meet the themes, styles, regions and representative sectors of the fund manager's convictions.
The investor has the right to redeem his shares on demand. The dealing in shares is carried out on each complete bank business day in Luxembourg. The attention of the investor is drawn to the fact that in exceptional circumstances, the possibility for the investor to request the redemption of his shares may be limited or suspended.
Recommendation
This fund may not be appropriate for investors who plan to withdraw their money within 10 years.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,625% on the amount of the position

Ongoing charges 1,45%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Amundi Funds Bond Euro High Yield AE

Amundi Funds (Investment company according to Luxembourg law)

Sector/type: Bonds Euro (without term) : Euro

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

The objective of the Sub-Fund is to seek income and capital growth (?total return?) by combining interest income, capital appreciation and currency gains. To achieve that objective, the Sub-Fund invests at least two thirds of its assets in bonds issued in Euro and paying a high yield but having a relatively high risk of default (?high yield bonds?). The ML European Curr H YLD BB-B Rated Constrained Hed index represents the reference indicator of the Sub-Fund. The Sub-Fund does not aim to replicate the reference indicator and may therefore significantly deviate from it. Investors can sell their shares of the Sub-Fund on a daily basis. The Sub-Fund may invest in financial derivative instruments for hedging purpose and for the purpose of efficient portfolio management. The accumulation share automatically retains, and re-invests, net investment incomes within the Sub-Fund when the distribution share pays dividends in September of each year. The minimum recommended holding term is 5 years. Shares may be sold or redeemed (and/or converted) on any dealing day (except otherwise stated in the prospectus) at the respective dealing price (net asset value) in accordance with the articles of incorporation. Further details are provided in the prospectus of the UCITS.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,6% on the amount of the position

Ongoing charges 1,61%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Fidelity Funds European Dynamic Growth Fund A

Fidelity Funds (Investment company according to Luxembourg law)

Sector/type: Shares (region) : Europe

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

* Aims to provide long-term capital growth with the level of income expected to be low.
* At least 70% invested in the shares of companies that have their head office or a main part of their activity in Europe.
* Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes.
* Typically has a bias to medium size company shares with a market capitalisation range of 1 to 10 billion Euros.
* Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income in line with the fund's risk profile.
* The fund has discretion in its choices of investments within its objectives and policies.
* Income is reinvested in additional shares or paid to shareholders on request.
* Shares can usually be bought and sold each business day of the fund.
* This fund may not be appropriate for investors who plan to sell their shares in the fund within 5 years. Investment in the fund should be regarded as a long-term investment.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) not applicable

Withholding tax (1) 30%

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,6% on the amount of the position

Ongoing charges 1,93%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Franklin Templeton Investment Funds Franklin European Growth Fund A

Franklin Templeton Investment Funds (Investment company according to Luxembourg law)

Sector/type: Shares (region) : Europe

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

Franklin European Growth Fund (the "Fund") aims to increase the value of its investments over the medium to long term.
The Fund invests mainly in:
· equity and equity-related securities issued by companies of any size located in, or doing significant business in, European countries
The investment team focuses on high-quality, financially strong companies that are attractively valued that it believes have the potential for sustainable growth and will provide the best opportunities for increased value over the long term with the least risk of permanent capital loss. The percentage invested in different industries will change over time, based on which industries seem to be offering the best opportunities.
You may request the sale of your shares on any Luxembourg business day. The income received from the Fund's investments is accumulated with the result of increasing the value of the shares.
For further information on the Objectives and Investment Policy of the Fund, please refer to the section "Fund Information, Objectives and Investment Policies" of the current prospectus of Franklin Templeton Investment Funds.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,75% on the amount of the position

Ongoing charges 1,83%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Carmignac Portfolio Commodities A

Carmignac Portfolio (Investment company according to Luxembourg law)

Sector/type: Shares (sector) : Commodities

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

The key features of the UCITS are as follows: * The sub-fund aims to outperform its reference indicator over a period exceeding five years and to seize the best opportunities available around the world using an active, discretionary investment strategy. * The reference indicator is a combination of the following MSCI indices calculated with net dividends reinvested: 45% MSCI AC World Oil Gas & Consum NR (USD), 5% MSCI AC World Energy Equipment NR (USD), 40% MSCI AC World Metals & Mining NR (USD), 5% MSCI AC World Paper & Forest Products NR (USD), 5% MSCI AC World Chemicals NR (USD), since 01/07/2013 inclusive. It is rebalanced each quarter and converted into euro for EUR units and hedged units, and into the reference currency of the unit class for unhedged units. * The sub-fund is an international equity fund invested across the whole of the natural resources sector (energy, precious metals, base metals, agricultural commodities and wood). Companies in which the sub-fund invests operate in the commodities, mining, production, enrichment and/or processing sectors. They may also be companies specialised in energy production, services and equipment. The Sub-fund invests in financial markets all over the world. *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 decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) 30%

Distribution fee 0,7% on the amount of the position

Ongoing charges 1,80%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.

Blackrock Global Funds Sustainable Energy Fund A2

Blackrock Global Funds (Investment company according to Luxembourg law)

Sector/type: Shares (sector) : Energy

Risk
1 2 3 4 5 6 7

Lower risk Lower potential return

Higher risk Higher potential return

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 new energy companies.
New energy companies are those which are engaged in alternative energy and energy technologies, including: renewable energy technology; renewable developers; alternative fuels; energy efficiency; enabling energy and infrastructure.
The investment adviser has discretion to select the Fund's investments.
Recommendation: This Fund may not be appropriate for short-term investment.
Your shares will be non-distributing (i.e. dividend income will be included in their value).
The Fund?s base currency is US Dollar. Shares for this class are bought and sold in Euro. The performance of your shares may be affected by this currency difference.
You can buy and sell your shares daily. The minimum initial investment for this share class is US$5,000 or currency equivalent.

The investment policy of the fund is extracted from the KIID

Stock exchange tax at redemption (1) 1,32%, max 4000 €

Withholding tax (1) not applicable

Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.

Capital Gains Tax (1) (3) not applicable

Distribution fee 0,7% on the amount of the position

Ongoing charges 2,08%

Risk(s)

Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.