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)
Optional
25 € minimum
€
€
Difference
€
How KEYPLAN works
Practical
Efficient
Personal
Cautious
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
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20%
Amundi Funds Bond Global Aggregate AE
Bonds basket foreign currencies (without term) : World
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20%
Schroder International Selection Fund Global Inflation Linked Bond A
Bonds basket foreign currencies (without term) : World
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20%
Franklin Templeton Investment Funds Franklin Euro Government Bond Fund A
Bonds Euro (without term) : Euro
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20%
Monetary Euro : Euro
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10%
Blackrock Global Funds Global Equity Income Fund A2 Hedged
Shares (region) : World
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10%
Shares (region) : World
Balanced
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
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20%
First Eagle Amundi International Fund AE (Qdis)
Mixed High Risk : World
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15%
Mixed flexible
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20%
Mixed flexible
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20%
Threadneedle Investment Funds Global Bond Fund 1
Bonds basket foreign currencies (without term) : World
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15%
Mixed Neutral Risk : World
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10%
Invesco Funds Invesco Balanced-Risk Allocation Fund A (cap)
Mixed flexible
Audacious
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
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25%
Invesco Funds Invesco Pan European Equity Fund A (cap)
Shares (region) : Europe
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10%
Carmignac Portfolio Commodities A
Shares (sector) : Commodities
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25%
Franklin Templeton Investment Funds Templeton Global Total Return Fund A (acc)
Bonds basket foreign currencies (without term) : Miscellaneous
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25%
UBAM Global High Yield Solution AHC
Bonds Not-Euro (without term) : US Dollar
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15%
Mixed flexible
Pick your funds below before you can see the graph
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Welcome. In recent months, over 4.000 Keytrade Bank customers activated a KEYPLAN.
Your plan
From 25€/year
Everyone is free to invest as much as they want. Conventional wisdom says that you should have precautionary savings of 6 to 9 months of net salary, which can be adapted according to your own situation. For longer periods, everything will depend on your plans for the short or medium term. But you can be sure of one thing: KEYPLAN is the ideal solution for those starting to invest.
Automatic payments
Once you have worked out the amount that you want to pay in regularly (per month, per quarter, per six months or year), everything is done automatically. You no longer need to give it any thought, unless you want to stop your KEYPLAN or to change your payment amounts. You can top up the regular payments with occasional payments, even after starting your KEYPLAN.
Can be checked everywhere and at all times
Wherever you are, you can check the progress of your KEYPLAN on any computer, smartphone or tablet. On your mobile devices, all you need to do is download our Keytrade Bank app.
No entry fees
Unlike other banks, Keytrade Bank won’t charge you any fees when you open a KEYPLAN. There are also no management fees. The exit fees are clear and transparent: € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
40 quality funds selected by our experts
The 40 funds included in the KEYPLAN promotion are among the best on the market. They have been carefully selected by our stock market experts in line with these criteria: performance, risk, diversification (geographic and sectoral) and the quality of the manager.
Diversified and regular investments
The return on a KEYPLAN is never guaranteed. But its major strength lies in reducing risk by sticking to the two golden rules: regular investment (spread over time) and a diversification of funds (based in different regions or sectors). So you will benefit automatically from a better distribution of your investments and greater security.
You choose your investment style
Choose the style that suits you best from our three investment styles. These investment styles differ notably by their risks and their potential returns. Once your choice is made, we invest the amount chosen in a selection of hand-picked funds. Are you an expert on funds? Would you prefer to put together your own tailored plan? That is not a problem, as you can always create your own tailored KEYPLAN.
You can add money and/or change your payments amount
Any time you want, you can change your initial KEYPLAN: this includes the payments amount or the regularity of the payments. You can even halt them for a while. All this can be done without incurring any fees.
You stop when you want
You can stop your KEYPLAN at any time: all you need to do is ask us to transfer the securities included in your KEYPLAN to your own trading account. If that is done before the end of the fifth year, you will have to pay fees of € 9.95 per fund included in your plan. After the fifth year, the transfer of the amount in your KEYPLAN will be free of charge.
Cautious
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
Amundi Funds Bond Global Aggregate AE
Amundi Funds (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : World
Lower risk Lower potential return
Higher risk Higher potential return
The objective of the Sub-Fund is to outperform the reference indicator Barclays Global Aggregate index (hedged in USD) through strategic
and tactical positions as well as arbitrages on the whole of the credit, interest rates and currency markets.
To achieve that objective, the Sub-Fund invests at least two thirds of its assets in debt instruments issued or guaranteed by governments of
countries of the Organisation for Economic Cooperation and Development (OECD) or issued by corporate entities and financial instruments
whose value and income payments are derived from and collateralized (or "backed") by a specified pool of underlying asset ("asset-backed
securities" and "mortgage-backed securities") up to a maximum of 40% of its assets. The securities having a relatively low risk of default
("investment grade") represents at least 80% of the Sub-Fund's assets.
The use of financial derivative instruments will be an integral part of the investment policy and strategies of the Sub-Fund for hedging,
arbitraging and/or overexposing on currencies, interest rates and the risk of credit.
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 3 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) 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 0,4% on the amount of the position
Ongoing charges 1,20%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Schroder International Selection Fund Global Inflation Linked Bond A
Schroder International Selection Fund (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : World
Lower risk Lower potential return
Higher risk Higher potential return
Objectives
The fund aims to provide capital growth and income by investing in
inflation-linked bonds.
Investment Policy
The fund invests at least two-thirds of its assets in inflation-linked
bonds with an investment grade or sub-investment grade credit
rating (as measured by Standard & Poor's or any equivalent grade
of other credit rating agencies for rated bonds and implied
Schroders ratings for non-rated bonds) issued by governments,
government agencies, supra-nationals and companies worldwide.
Inflation-linked bonds provide protection against the effects of
rising prices as generally both the value of the original amount
borrowed and the interest payments move in line with consumer
prices.
The fund may use derivatives with the aim of achieving investment
gains, reducing risk or managing the fund more efficiently. The fund
may also hold cash.
Benchmark
This share class is managed with reference to the Bank of America
Merrill Lynch Global Governments Inflation-Linked EUR Hedged
financial index. The manager invests on a discretionary basis and is
not limited to investing in accordance with the composition of this
benchmark.
Dealing Frequency
You may redeem your investment upon demand. This fund deals
daily.
Distribution Policy
This share class accumulates income received from the fund's
investments, meaning it is kept in the fund and its value is reflected
in the price of the share class.
The investment policy of the fund is extracted from the KIID
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 0,95%
Risk(s)
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Money market risk
- High yield risk
- Leverage risk
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Interest rate risk
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Operational risk
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
Money market risk
A failure of an issuer of a money market instrument could create losses.
High yield risk
High-yield instruments, meaning investments which pay a high amount of income generally involve greater credit risk and sensitivity to economic developments, giving rise to greater price movement than lower yielding instruments.
Leverage risk
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
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
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.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Amundi Funds (Investment company according to Luxembourg law)
Sector/type: Monetary Euro : Euro
Lower risk Lower potential return
Higher risk Higher potential return
The objective of the Sub-Fund is to seek a return close to the reference indicator Euribor 3-month, by investing at least 67% of its total
assets in money market instruments denominated in Euro or in other currencies hedged through a currency swap. The Sub-Fund must
maintain an average portfolio maturity not exceeding 90 days.
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 1 day to 3 months.
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 0,095% on the amount of the position
Ongoing charges 0,30%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Money market risk
A failure of an issuer of a money market instrument could create losses.
Blackrock Global Funds Global Equity Income Fund A2 Hedged
Blackrock Global Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
The Fund aims to generate an above average level of income on your
investment as well as maintain long term capital growth.
The Fund invests globally at least 70% of its total assets in equity
securities (e.g. shares) of companies domiciled in, or the main
business of which is in, developed markets.
For the purpose of managing currency exposure, the investment
adviser (IA) may use investment techniques (which may include the
use of financial derivative instruments (FDIs)) to protect the value of
the Fund, in whole or part, or enable the Fund to profit from changes
in currency exchange rates against the base currency of the Fund.
FDIs are investments the prices of which are based on one or more
underlying assets.
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.
Your shares will be ?hedged? with the aim of reducing the effect of exchange rate fluctuations between their denominated currency and the base currency of the Fund. The hedging strategy may not completely eliminate currency risk and, therefore, may affect the performance of your shares.
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 0,6% on the amount of the position
Ongoing charges 1,82%
Risk(s)
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- geographical risk
- Emerging markets risk
- Volatility Risk
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Emerging markets risk
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
Volatility Risk
The increase or decrease in volatility may cause a decline in the net asset value.
BL (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
Objectives
Seeking a long-term capital gain.
Investment policy
The sub-fund invests a minimum of 75% of its net assets in shares.
A maximum of 10% of the net assets may be invested in open-ended investment funds.
The sub-fund may also use derivative products for hedging purposes or in
order to optimise the portfolio's exposure.
Investments are made without any geographical, sector-based or monetary restrictions.
The companies are chosen on the basis of their intrinsic characteristics
and their valuations.
The underlying funds are selected on the basis of quantitative then 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.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Bankruptcy risk
The investment in shares bears an issuer risk insofar as the issuing company might go bankrupt. This may result in significant or even total losses of the value of the investments in these debt instruments.
Emerging markets risk
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Balanced
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
First Eagle Amundi International Fund AE (Qdis)
First Eagle Amundi (Investment company according to Luxembourg law)
Sector/type: Mixed High Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
The Sub-Fund seeks to offer investors capital growth through diversification of its investments over all categories of assets and a policy of
following a 'value' approach.
To pursue its goal, it invests at least two-thirds of its Net Assets in equities, Equity-linked Instruments and bonds without any restriction in terms
of market capitalisation, geographical diversification or in terms of what part of the assets of the Sub-Fund may be invested in a particular class of
assets or a particular market. The investment process is based on fundamental analysis of the financial and business situation of the issuers,
market outlook and other elements. The Sub-Fund may invest in financial derivative instruments for hedging purpose and for the purpose of
efficient portfolio management.The Sub-Fund may not enter into securities lending transactions.
The accumulation share automatically retains, and re-invests, net investment incomes within the Sub-Fund when the distribution share pays
a quarterly Fixed Dividend of 1% of the net asset value.
The minimum recommended holding term is more than 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) 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 0,5% on the amount of the position
Ongoing charges 2,20%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Operational risk
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
Ethna-Aktiv (Unit trust according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
The main objective of Ethna-AKTIV is to achieve a suitable increase in value (EUR) while taking into account value stability, capital security and the liquidity of fund assets.
The Fund invests its assets in all kinds of securities, including shares, bonds, money market instruments, certificates and fixed-term deposits. The share in units, equity funds and share-type securities may not exceed 49% of the fund's net assets. The Fund may not invest more than 10% of its assets in other funds. The Fund mainly acquires assets of issuers whose registered offices are located in a Member State of the OECD. For hedging purposes or to increase its assets, the Fund may also use financial instruments whose value depends on the future prices of other assets ("derivatives").
Detailed information on the aforementioned (and/or further) opportunities to invest in the Fund can be found in the current sales prospectus.
In principle, investors may redeem their shares on any banking day in Luxembourg, with the exception of 24 and 31 December. The redemption of shares may be suspended in extraordinary circumstances if this is deemed necessary in the interests of investors.
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 0,6% on the amount of the position
Ongoing charges 1,80%
Risk(s)
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- custodial risks
- Hedging risk
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Operational risk
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
custodial risks
There is a risk of loss associated with holding assets in custody, especially abroad. This risk may result from insolvency, negligence or misconduct on the part of the custodian or a sub-custodian.
Hedging risk
A fund's attempts to reduce or eliminate certain risks may not work as intended.
DNCA Invest (Investment company according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
Essential management characteristics:
Diversified fund
The Sub-Fund seeks to outperform the 20% Eurostoxx 50 + 80% FTSE MTS Global composite index calculated with dividends reinvested, over the recommended investment period.
The overall invesment strategy of the Sub-Fund is to seek to enhance the return on a wealth investment through active management of the portfolio of Euro denominated equities and fixed income products. It aims to provide an alternative to investments in bonds and convertibles bonds (directy or through mutual funds) as well as an alternative to Euro denominated funds benefitting from a capital guarantee. The Sub-Fund however dos not benefit from a guarantee on capital invested.
The Sub-Fund may invest at any time within the following limits in:
- Up to 100% of its total assets may be exposed to fixed income securities denominated in Euro, composed of securities issued by public or private sector-issurers, without any rating constraint including non-rated issues.
- At least 50% of the Sub-Fund's fixed income portfolio should be composed of securities belonging to the "investment grade" category (i.e. have a Standard & Poor's minimum A-3 short-term rating or BBB- long-term rating or equivalent). The Investment Manager shall not solely base its investment decisions on ratings assigned by independant rating agencies and can proceed to its own credit risk assessment. The Sub-Fund's fixed income portfolio may be composed of securities belonging to the "speculative grade" category (i.e. not belonging to the "investment grade" category) or non-rated. The Investment Manager may invest in securities which qualify as distressed securities up to 5% of its net assets.
- Up to 35% of its net assets in equities from issuers belonging to all market capitalisation categories, headquartered in OECD countries and denominated in Euro. Investment in equities issued by issuers which capitalisation is under 1 billion Euros may not exceed 5% of the net assets of the Sub-Fund.
The duration of the Sub-Fund's portfolio will be limited to 7 years.
The Sub-Fund may invest up to 10% of its net assets in units and/or shares of UCITS and/or AIFs.
In order to achieve the investment objective, the Sub-Fund may also invest in equities or related financial derivative instruments as well as in convertible bonds, warrants and rights which may embed derivatives, for the purpose of hedging or increasing interest rate risk without seeking overexposure
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 1,46%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Threadneedle Investment Funds Global Bond Fund 1
Threadneedle Investment Funds (Investment company according to British law)
Sector/type: Bonds basket foreign currencies (without term) : World
Lower risk Lower potential return
Higher risk Higher potential return
The aim of the Fund is to provide income with the potential to grow
the amount you invested as well.
The Fund invests at least two-thirds of its assets in bonds (which are
similar to a loan and pay a fixed or variable interest rate) issued by
companies and governments worldwide.
The Fund may also invest in asset classes and instruments different
from those stated above.
Income from investments in the Fund will be added to the value of
your shares..
You can buy and sell shares in the Fund on any day that is a
business day in London. You can find more detail on the objectives
and investment policy of the Fund in the section of the prospectus
with the heading ?Investment Objectives, Policies and Other Details
of the Funds?.
As part of the investment process, the Fund will make reference to
the JP Morgan Global Bond Index. However, the Fund makes active
investment decisions and it is likely that additional positions will be
held outside the index.
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 0,625% on the amount of the position
Ongoing charges 1,38%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Interest rate risk
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Carmignac Patrimoine (Unit trust according to French law)
Sector/type: Mixed Neutral Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding three years. * The reference indicator is the following composite index: 50% MSCI AC WORLD NR (USD) index calculated with net dividends reinvested, and 50% Citigroup WGBI All Maturities index calculated with coupons reinvested. The reference indicator is rebalanced each quarter and converted into euro for EUR units and hedged units, and into the reference currency of each unit class for unhedged units. * The Fund's principal performance drivers are the following: - Equities: a maximum of 50% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, with up to 25% of net assets exposed to emerging countries). - Fixed income products: between 50% and 100% of the Fund's net assets is invested in fixed rate and/or variable rate government and/or corporate bonds and money market instruments. The average rating of the bonds held by the Fund shall be at least investment grade (as rated by at least one of the leading rating agencies). Fixed income products from emerging countries may not exceed 25% of net assets. - Currencies: The Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. * Up to 15% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,85%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Interest rate risk
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Invesco Funds Invesco Balanced-Risk Allocation Fund A (cap)
Invesco Funds (Investment company according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
- The objective of the Fund is to achieve a positive total return over a market cycle with a low to moderate correlation to traditional financial market
indices.
- The Fund intends to gain exposure primarily to shares of companies, debt instruments (issued by governments or companies with a minimum rating of B-by Standard and Poor's rating agency or equivalent) and commodities worldwide.
- The Fund intends to gain exposure to assets that are expected to perform differently across the three stages of the market cycle, namely recession, noninflationary growth and inflationary growth.
- 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 0,625% on the amount of the position
Ongoing charges 1,63%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Risk linked to Commodities
The price fluctuations of commodities and the volatility of the sector may cause a decline in the net asset value.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Leverage risk
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
Audacious
These funds have been carefully selected by stock market experts in line with these criteria: performance, risk, diversification (geographic and sectorial) and the quality of the manager.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
Invesco Funds Invesco Pan European Equity Fund A (cap)
Invesco Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
- The objective of the Fund is to achieve long-term capital growth.
- The Fund intends to invest primarily in shares of companies.
- The Fund invests primarily in Europe.
- The Fund is actively managed within its objectives and is not constrained by a benchmark.
- You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus).
- Any income from your investment will be reinvested.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,75% on the amount of the position
Ongoing charges 1,98%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Carmignac Portfolio Commodities A
Carmignac Portfolio (Investment company according to Luxembourg law)
Sector/type: Shares (sector) : Commodities
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.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Risk linked to Commodities
The price fluctuations of commodities and the volatility of the sector may cause a decline in the net asset value.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Franklin Templeton Investment Funds Templeton Global Total Return Fund A (acc)
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : Miscellaneous
Lower risk Lower potential return
Higher risk Higher potential return
Templeton Global Total Return Fund (the "Fund") aims to maximise total
investment return by achieving an increase in the value of its investments,
earning income and realising currency gains over the medium to long term.
The Fund 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
· securities in default (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. By using in-depth
economic, country and security research including detailed risk analysis,
Franklin Templeton's large team of fixed income specialists seek to take
advantage of these differences by identifying and investing in fixed income
securities with the strongest potential for income, capital growth and currency gain around the world. In making investment decisions, the investment team uses in-depth research about various factors that may affect bond prices and currency values.
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) 30%
Distribution fee 0,525% on the amount of the position
Ongoing charges 1,41%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Interest rate risk
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
UBAM Global High Yield Solution AHC
UBAM (Investment company according to Luxembourg law)
Sector/type: Bonds Not-Euro (without term) : US Dollar
Lower risk Lower potential return
Higher risk Higher potential return
The Fund seeks to grow your capital and generate income by
taking well-diversified exposure to "high-yield" (high-yield bonds
are issued by companies whose business is more sensitive to the
economic cycle and whose bonds pay higher interest) from
Europe and the US. It does this by investing in Credit Default
Swap (CDS) indices. A CDS index is an instrument that gives
investors exposure to a basket of high-yield company debt. CDS
indices are more liquid than high-yield bonds and bear no interest
rate risk. It is an actively-managed, well-diversified portfolio,
mainly made of securities whose value is expressed in US
Dollars. The Fund's value is calculated and expressed in US
Dollars. For share classes in other currencies, the currency risk in
relation to the base currency (US Dollar) is hedged.
The Fund can adjust its high-yield exposure from 80% to 120%.
The Fund can adjust its geographical exposure by varying its
allocation to the US and European indices. It can also vary its
exposure to interest rates by investing mainly in US government
bonds of differing maturities. The Fund does not invest in
structured products. Investors in the Fund can redeem their units
on any business day in Luxembourg, although we recommend a
holding period of at least three 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 0,2% on the amount of the position
Ongoing charges 0,74%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
DNCA Invest (Investment company according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk Lower potential return
Higher risk Higher potential return
Essential management characteristics:
Diversified Fund
The Sub-Fund seeks to outperform the 60% Eurostoxx 50, 30% Euro MTS &-3 years, 10% EONIA composite index calculated dividends reinvested, over the recommended investment period, while protecting the capital during adverse periods through opportunistic management and flexible asset allocation.
The Sub-Fund's investment strategy relies on active discretionary management unsing a stock picking policy. This policy is all based on fundamental analysis developed through main investment criteria such as market assessment, issuer's financial structure, management quality, issuer's market position or regular contacts with issuers. The Sub-Fund will be invested either in equities, bonds or money market instruments by adapting the investment strategy to the economic situation and the Investment Manager's expectations.
Up to 100% of its net assets, the Sub-Fund can be exposed to shares of issuers in all market capitalisation without geographical constraint. Shares of issuers with capitalisation below 1 billion euros may not exceed 10% of its net assets. The part of investment in shares of companies having their registered office in emerging countries (such as but not limited to Asian countries except Japan, or South America, etc.) may account up to 20% of net assets.
The Sub-Fund may invest up to 70% if its net assets, in fixed income securities and money market instruments from issues of the pubic or private sector, depending on market opportunities without any constaint in terms of rating or duration. Nevertheless, investment in non "Investment Grade" or non-rated debt securities (i.e. have a Standard & Poor's rating below A-3 short-term rating or BBB- long-term rating or equivalent) may not exceed 30% of its net assets. The Investment Manager shall not solely base its investment decisions, risk assessment on the ratings assigned by independent rating agencies but shall also proceed to its own analysis of credit.
The Sub-Fund may invest in securities with embedded derivatives such as convertible bonds.
Up to 10% of its net assets, the Sub-Fund may invest in units and/or shares of UCITS or AIFs.
In order to achieve the investment objective, the Sub-Fund may also invest up to 30% of its net assets in financial derivative instruments for the purpose of hedging or increasing equity exposure, interest rate risk or currency risk without seeking exposure.
Recommended investment period:
This sub-fund may not be appropriate for investors who plan to withdraw their money within 5 years.
The investment policy of the fund is extracted from the KIID
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 1,2% on the amount of the position
Ongoing charges 2,32%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Based on the range of 40 funds, you choose the funds that suit you by indicating what percentage of your investment you want to allocate to each fund.
The choice of investment style is made by your own initiative and is not the result of any recommendation or advice from Keytrade Bank.
The total percentage needs to be 100%.
Carmignac Patrimoine (Unit trust according to French law)
Mixed Neutral Risk : World
Sector/type: Mixed Neutral Risk : World
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding three years. * The reference indicator is the following composite index: 50% MSCI AC WORLD NR (USD) index calculated with net dividends reinvested, and 50% Citigroup WGBI All Maturities index calculated with coupons reinvested. The reference indicator is rebalanced each quarter and converted into euro for EUR units and hedged units, and into the reference currency of each unit class for unhedged units. * The Fund's principal performance drivers are the following: - Equities: a maximum of 50% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, with up to 25% of net assets exposed to emerging countries). - Fixed income products: between 50% and 100% of the Fund's net assets is invested in fixed rate and/or variable rate government and/or corporate bonds and money market instruments. The average rating of the bonds held by the Fund shall be at least investment grade (as rated by at least one of the leading rating agencies). Fixed income products from emerging countries may not exceed 25% of net assets. - Currencies: The Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. * Up to 15% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,85%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Interest rate risk
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Carmignac Investissement (Unit trust according to French law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the UCITS are as follows: * The Fund aims to outperform its reference indicator over a period exceeding five years, using an active, discretionary investment strategy. * The reference indicator is the MSCI AC WORLD NR (USD) index, calculated with net dividends reinvested. * The Fund is invested in financial markets all over the world. Its main performance drivers are as follows: - Equities: at least 60% of the Fund's net assets are permanently exposed to international equities (all capitalisations, without restrictions in terms of sector or region, including emerging countries) - Currencies: the Fund may use currencies other than the Fund's valuation currency for exposure or hedging purposes. Net currency exposure may be as much as 125% of net assets. * Up to 10% of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex,but consistent in nature. * The decision to buy, hold or sell debt securities will not automatically and solely depend on their rating but also an internal analysis based mainly on return, credit rating, liquidity and maturity criteria. * The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. * These units are accumulation units. * The Fund may invest in transferable debt securities and bonds on an ancillary basis.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 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.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Carmignac Emergents (Unit trust according to French law)
Shares (region) : Growth markets
Sector/type: Shares (region) : Growth markets
Lower risk Lower potential return
Higher risk Higher potential return
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.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Invesco Funds Invesco Pan European Equity Fund A (cap)
Invesco Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
- The objective of the Fund is to achieve long-term capital growth.<BR> - The Fund intends to invest primarily in shares of companies.<BR> - The Fund invests primarily in Europe.<BR> - The Fund is actively managed within its objectives and is not constrained by a benchmark.<BR> - You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus).<BR> - 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.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Axa Rosenberg Equity Alpha Trust Axa Rosenberg Japan Equity Alpha Fund B
Axa Rosenberg Equity Alpha Trust (Unit Trust according to Irish law)
Shares (country) : Japan
Sector/type: Shares (country) : Japan
Lower risk Lower potential return
Higher risk Higher potential return
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.
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 1,53%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Operational risk
The risk of losses resulting from errors or failures arising from the people, systems, service providers or processes upon which the fund depends.
Volatility Risk
The increase or decrease in volatility may cause a decline in the net asset value.
Fidelity Funds (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
* Aims to provide long-term capital growth with the level of income expected to be low. <BR> * At least 70% are invested in equity securities of companies around the world. <BR> * 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. <BR> * Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. <BR> * 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. <BR> * The fund has discretion in its choices of investments within its objectives and policies. <BR> * Income is reinvested in additional shares or paid to shareholders on request. <BR> * Shares can usually be bought and sold each business day of the fund. <BR> * 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.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Hedging risk
A fund's attempts to reduce or eliminate certain risks may not work as intended.
Fidelity Funds (Investment company according to Luxembourg law)
Shares (country) : United States
Sector/type: Shares (country) : United States
Lower risk Lower potential return
Higher risk Higher potential return
* Aims to provide long-term capital growth with the level of income expected to be low. <BR> * At least 70% invested in the shares of US companies. <BR> * Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. <BR> * 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. <BR> * The fund has discretion in its choices of investments within its objectives and policies. <BR> * Income is reinvested in additional shares or paid to shareholders on request. <BR> * Shares can usually be bought and sold each business day of the fund. <BR> * 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.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Hedging risk
A fund's attempts to reduce or eliminate certain risks may not work as intended.
Robeco QI Global Dynamic Duration DH
Robeco QI Global Dynamic Duration (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
Robeco QI Global Dynamic Duration invests worldwide in government bonds with investment grade quality. The 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.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Leverage risk
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
CapitalatWork Foyer Umbrella Contrarian Equities At Work C
CapitalatWork Foyer Umbrella (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of US and European companies listed or traded on a stock exchange or on another regulated market. These equities are generally neglected by the markets, but offer attractive prospects. To a lesser extent, the Sub-fund also invests its assets in companies from other global regions. The Sub-fund invests on the basis of an analysis of the cash flows of Asian companies while maintaining a diversified allocation of the Sub-fund?s investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,5% on the amount of the position
Ongoing charges 1,31%
Risk(s)
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Franklin Templeton Investment Funds Franklin Euro Government Bond Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
Franklin Euro Government Bond Fund (the "Fund") aims to maximise the investment return by achieving an increase in the value of its investments and earning income over the medium to long term. <BR> The Fund invests mainly in: <BR> · higher-quality debt securities issued by governments and government-related entities located within the European Monetary Union (EMU) <BR> The Fund can invest to a lesser extent in: <BR> · 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) <BR> · derivatives for hedging purposes and/or efficient portfolio management <BR> 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. <BR> 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. <BR> You may request the sale of your shares on any Luxembourg business day. <BR> For the distribution share class shown in this document, dividend income is distributed to shareholders.<BR> 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.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Invesco Funds Invesco Active Multi-Sector Credit Fund A
Invesco Funds (Investment company according to Luxembourg law)
Hedge Funds/Absolute Return
Sector/type: Hedge Funds/Absolute Return
Lower risk Lower potential return
Higher risk Higher potential return
- The objective of the Fund is to achieve long-term capital growth and income.<BR> - 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).<BR> - The Fund intends to gain exposure worldwide in both developed and emerging markets.<BR> - The Fund may also gain exposure to the loans market through derivatives and other eligible complex instruments.<BR> - The Fund may also gain exposure to securitised debt.<BR> - 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).<BR> - The Fund is actively managed within its objectives and is not constrained by a benchmark.<BR> - You can buy and sell shares in the Fund on any Business Day in Luxembourg (as defined in the Prospectus).<BR> - Any income from your investment will be reinvested.
The investment policy of the fund is extracted from the KIID
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees € 0 if you stop your KEYPLAN after 5 years and only € 9.95 per fund included in your KEYPLAN if you stop before the fifth year.
Capital Gains Tax (1) (3) 30%
Distribution fee 0,375% on the amount of the position
Ongoing charges 1,04%
Risk(s)
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Risk of less developed countries
- Leverage risk
Swing Pricing It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Interest rate risk
When interest rates rise, bond prices fall, reflecting the ability of investors to obtain a more attractive rate of interest on their money elsewhere. Bond prices are therefore subject to movements in interest rates which may move for a number of reasons, political as well as economic.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Risk of less developed countries
As a large portion of the fund is invested in less developed countries, you should be prepared to accept significantly large fluctuations of the value of the fund.
Leverage risk
The fund uses leverage through financial derivative instruments, which will magnify both gains and losses on its investments and result in greater fluctuations of its Net Asset Value. This increases the risk of the fund compared to an unleveraged fund. Leverage occurs when the overall economic exposure of the fund is greater than the amount invested.
JPMorgan Funds Europe Strategic Growth Fund A
JPMorgan Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
The Sub-Fund aims to provide long-term capital growth by investing primarily in a growth style biased portfolio of European companies. <BR> 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. <BR> The Sub-Fund may invest in assets denominated in any currency and currency exposure may be hedged. <BR> The Sub-Fund may use financial derivative instruments for the purposes of hedging and efficient portfolio management. <BR> Redemption and Dealing: Shares of the Sub-Fund may be redeemed on demand, with dealing normally on a daily basis.<BR> 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.<BR> 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.<BR> 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.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Volatility Risk
The increase or decrease in volatility may cause a decline in the net asset value.
Hedging risk
A fund's attempts to reduce or eliminate certain risks may not work as intended.
BL (Investment company according to Luxembourg law)
Shares (region) : World
Sector/type: Shares (region) : World
Lower risk Lower potential return
Higher risk Higher potential return
Objectives <BR> Seeking a long-term capital gain. <BR> Investment policy <BR> 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. <BR> The sub-fund may also use derivative products for hedging purposes or in order to optimise the portfolio's exposure. <BR> Investments are made without any geographical, sector-based or monetary restrictions. <BR> The companies are chosen on the basis of their intrinsic characteristics and their valuations. <BR> 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. <BR> 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. <BR> Recommendation <BR> 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.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Bankruptcy risk
The investment in shares bears an issuer risk insofar as the issuing company might go bankrupt. This may result in significant or even total losses of the value of the investments in these debt instruments.
Emerging markets risk
The risk related to investing in countries that have less developed political, economic, legal and regulatory systems, and that may be impacted by political/economic instability, lack of liquidity or transparency, or safekeeping issues.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Amundi Funds Bond Euro High Yield AE
Amundi Funds (Investment company according to Luxembourg law)
Bonds Euro (without term) : Euro
Sector/type: Bonds Euro (without term) : Euro
Lower risk Lower potential return
Higher risk Higher potential return
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.
Credit risk
The risk of loss arising from default that may occur if an issuer fails to make principal or interest payments when due. This risk is higher if the fund holds low-rated, non-investment-grade securities.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
Fidelity Funds European Dynamic Growth Fund A
Fidelity Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
* Aims to provide long-term capital growth with the level of income expected to be low. <BR> * At least 70% invested in the shares of companies that have their head office or a main part of their activity in Europe. <BR> * Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. <BR> * Typically has a bias to medium size company shares with a market capitalisation range of 1 to 10 billion Euros. <BR> * 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. <BR> * The fund has discretion in its choices of investments within its objectives and policies. <BR> * Income is reinvested in additional shares or paid to shareholders on request. <BR> * Shares can usually be bought and sold each business day of the fund. <BR> * 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.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Hedging risk
A fund's attempts to reduce or eliminate certain risks may not work as intended.
Franklin Templeton Investment Funds Franklin European Growth Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Shares (region) : Europe
Sector/type: Shares (region) : Europe
Lower risk Lower potential return
Higher risk Higher potential return
Franklin European Growth Fund (the "Fund") aims to increase the value of its investments over the medium to long term. <BR> The Fund invests mainly in: <BR> · equity and equity-related securities issued by companies of any size located in, or doing significant business in, European countries <BR> 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. <BR> 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.<BR> 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.
Currency risk
The risk of loss arising from exchange-rate fluctuations or due to exchange control regulations.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Volatility Risk
The increase or decrease in volatility may cause a decline in the net asset value.
Carmignac Portfolio Commodities A
Carmignac Portfolio (Investment company according to Luxembourg law)
Shares (sector) : Commodities
Sector/type: Shares (sector) : Commodities
Lower risk Lower potential return
Higher risk Higher potential return
The key features of the 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.
Derivatives risk
The risk of loss in an instrument where a small change in the value of the underlying investment may have a larger impact on the value of such instrument. Derivatives may involve additional liquidity, credit and counterparty risks.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Risk linked to Commodities
The price fluctuations of commodities and the volatility of the sector may cause a decline in the net asset value.
Equity risk
In general, equities involve higher risks than bonds or money market instruments. Equities can lose value rapidly, and can remain at low prices indefinitely. Equities of rapidly growing companies can be highly sensitive to bad news, because much of their value is based on high expectations for the future. Equities of companies that appear to be priced below their true value may continue to be undervalued. If a company goes through bankruptcy or a similar financial restructuring, its equities may lose most or all of their value.
Blackrock Global Funds New Energy Fund A2
Blackrock Global Funds (Investment company according to Luxembourg law)
Shares (sector) : Energy
Sector/type: Shares (sector) : Energy
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. <BR> The Fund invests globally at least 70% of its total assets in the equity securities (e.g. shares) of new energy companies. <BR> 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. <BR> The investment adviser has discretion to select the Fund's investments. <BR> Recommendation: This Fund may not be appropriate for short-term investment. <BR> Your shares will be non-distributing (i.e. dividend income will be included in their value). <BR> 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. <BR> You can buy and sell your shares daily. The minimum initial investment for this share class is US$5,000 or currency equivalent. <BR>
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.
Liquidity risk
The risk that arises when adverse market conditions affect the ability to sell assets when necessary. Reduced liquidity may have a negative impact on the price of the assets.
Counterparty risk
Represents the risk of default of a market participant to fulfil its contractual obligations vis-à-vis your portfolio.
geographical risk
This is the risk of changing political, social or economic conditions specific to certain countries and its potential impact on the value of the fund's investments. The tax legislation specific to certain countries is also applied in the context of policies subject to change without notice and retroactively.
Volatility Risk
The increase or decrease in volatility may cause a decline in the net asset value.
Concentration risk
To the extent that the fund's investments are concentrated in a particular country, market, industry, sector or asset class, the fund may be s