Your results
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
Responsible+
-
10%
Blackrock Global Funds Sustainable Energy Fund A2 USD
Shares (sector) : Energy
-
10%
Robeco Capital Growth Funds RobecoSAM Smart Materials Equities D eur
Shares (sector) : Commodities
-
10%
DPAM B Equities World Sustainable B
Shares (region) : World
-
20%
Goldman Sachs Funds III Goldman Sachs Euro Sustainable Credit (Ex-Financials) P Dis EUR
Bonds Euro (without term) : Euro
-
10%
Pictet Global Environmental Opportunities P EUR
Shares (region) : World
-
25%
Triodos Sicav I Triodos Impact Mixed Fund - Neutral R
Mixed Neutral Risk : World
-
15%
Carmignac Portfolio Grande Europe A EUR Acc
Shares (region) : Europe
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.
-
15%
Robeco Capital Growth Funds Robeco Global Consumer Trends D EUR
Shares (region) : World
-
15%
Shares (region) : World
-
20%
Franklin Templeton Investment Funds Templeton Global Total Return Fund A
Bonds basket foreign currencies (without term) : Miscellaneous
-
20%
Invesco Funds Invesco Euro Bond Fund A-SD
Bonds Euro (without term) : Euro
-
10%
Edmond de Rothschild Fund Bond Allocation A
Bonds Euro (without term) : Euro
-
20%
Fidelity Funds Emerging Market Debt Fund A
Bonds basket foreign currencies (without term) : Growth markets
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.
-
10%
Mixed Neutral Risk : Europe
-
20%
Fidelity Funds Global Multi Asset Income Fund A-ACC-Euro (hedged)
Mixed Low Risk : World
-
20%
Goldman Sachs Funds V Goldman Sachs Patrimonial Balanced P Dis EUR
Mixed Neutral Risk : World
-
20%
Mixed flexible
-
20%
Mixed flexible
-
10%
Nordea 1, Sicav Stable Return Fund AP EUR
Mixed Neutral Risk : World
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.
-
10%
Carmignac Portfolio Climate Transition A
Shares (region) : World
-
20%
Robeco Capital Growth Funds Robeco BP Global Premium Equities D EUR
Shares (region) : World
-
20%
Schroder International Selection Fund Emerging Asia A capitalisation EUR
Shares (region) : Growth markets
-
20%
Blackrock Global Funds Euro-Markets Fund A2 EUR
Shares (region) : Euroland
-
10%
Pictet Global Megatrend Selection P EUR
Shares (region) : World
-
20%
Shares (region) : World
Pick your funds below before you can see the graph
New to Keytrade?
Already a customer?
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 fees
Unlike other banks, Keytrade Bank won’t charge you any fees when you open a KEYPLAN. There are also no management or exit fees.
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.
4 menus or à la carte
For those who want to, there are four pre-determined investment styles that differ in terms of risk and potential return. These investment styles differ notably by their risks and their potential returns. Once your choice is made, we invest the amount chosen in a selection of hand-picked funds. Are you an expert on funds? Would you prefer to put together your own tailored plan? That is not a problem, as you can always create your own tailored KEYPLAN.
You decide what you invest
You manage your KEYPLAN yourself, you take all the decisions. You can adjust the future payments in your KEYPLAN at any time in terms of the amount and frequency. And all at no cost.
You stop when you want
You can stop your KEYPLAN at any time without any cost. All you need to do is ask us to transfer the securities included in your KEYPLAN to your own trading account.
Responsible+
This is a marketing communication. Please refer to the prospectus of the UCITS and to the Key information document (Priips KID) before making any final investment decisions.
Blackrock Global Funds Sustainable Energy Fund A2 USD
Blackrock Global Funds (Investment company according to Luxembourg law)
Sector/type: Shares (sector) : Energy
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,66% on the amount of the position
Ongoing charges 2,37%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund?s assets. The Fund invests globally at least 70% of its total assets in the equity securities (e.g. shares) of sustainable energy companies. Sustainable energy companies are those which are engaged in alternative energy and energy technologies as described in the prospectus. The companies are rated by the Investment Adviser (IA) based on their ability to manage the risks and opportunities associated with the sustainable energy theme and their environmental, social and governance (ESG) risk and opportunity credentials. The Fund will not invest in companies that are classified in the following sectors (as defined by Global Industry Classification Standard): coal and consumables; oil and gas exploration and production; and integrated oil and gas. The Fund adopts a ?best in class? approach to sustainable investing. This means that the Fund selects the best issuers (from an ESG perspective) for each relevant sector of activities (without excluding any sector of activities). More than 90% of the issuers of securities the Fund invests in are ESG rated or have been analysed for ESG purposes. The Fund may gain limited exposure to issuers that that do not meet the sustainable energy and/or these ESG criteria. The IA may use financial derivative instruments (FDIs) (i.e. investments the prices of which are based on one or more underlying assets) for investment purposes in order to achieve the investment objective of the Fund, and/or to reduce risk within the Fund?s portfolio, reduce investment costs and generate additional income. The Fund may, via FDIs, generate varying amounts of market leverage (i.e. where the Fund gains market exposure in excess of the value of its assets). Any ESG rating or analysis referenced above will apply only to the underlying securities of FDI?s used by the Fund. The Fund is actively managed. The IA has discretion to select the Fund?s investments and is not constrained by any benchmark in this process. The MSCI All Countries World Index should be used by investors to compare the performance of the Fund. The weighted average ESG rating of the Fund will be higher than the ESG rating of the MSCI ACWI after eliminating at least 20% of the least well-rated securities from the MSCI ACWI. The price of equity securities fluctuates daily and may be influenced by factors affecting the performance of the individual companies issuing the equities, as well as by daily stock market movements, and broader economic and political developments which in turn may affect the value of your investment. The return on your investment in the Fund is directly related to the value of the underlying assets of the Fund, less costs (see ?What are the costs?? below). The relationship between the return on your investment, how it is impacted and the period for which you hold your investment is considered below (see ?How long should I hold it and can I take my money out early??). The depositary of the Fund is The Bank of New York Mellon SA/NV, Luxembourg Branch. Further information about the Fund can be obtained from the latest annual report and half-yearly reports of the BlackRock Global Funds. These documents are available free of charge in English and certain other languages. These can be found, along with other (practical) information, including prices of units, on the BlackRock website at: www.blackrock.com or by calling the International Investor Servicing team on +44 (0) 20 7743 3300 Your shares will be non-distributing (i.e. dividend income will be included in their value). The Fund?s base currency is US Dollar. Shares for this class are bought and sold in Euro. The performance of your shares may be affected by this currency difference. You can buy and sell your shares daily. The minimum initial investment for this share class is US$5,000 or other currency equivalent.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Robeco Capital Growth Funds RobecoSAM Smart Materials Equities D eur
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Sector/type: Shares (sector) : Commodities
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,825% on the amount of the position
Ongoing charges 1,79%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objective: RobecoSAM Smart Materials Equities is an actively managed fund that invests globally in companies that provide innovative materials and process technologies. The selection of these stocks is based on fundamental analysis. The fund has sustainable investment as its objective, within the meaning of Article 9 of the Regulation (EU) 2019/2088 of 27 November 2019 on Sustainability-related disclosures in the financial sector. The strategy integrates sustainability criteria as part of the stock selection process and through a theme-specific sustainability assessment. The portfolio is built on the basis of an eligible investment universe that includes companies whose business models contribute to the thematic investment objectives. The assessment regarding relevant SDGs uses an internally developed framework, more information on which can be obtained at www.robeco.com/si. The fund also aims to achieve a better return than the index. The fund has sustainable investment as its objective within the meaning of Article 9 of the European Sustainable Finance Disclosure Regulation. The fund fosters solutions to reduce resource intensity in the economy by investing in more efficient, scalable materials that have lower emissions over the lifetime, mainly investing in companies that advance the UN Sustainable Development Goals (SDGs): Decent Work and Economic Growth, Industry, Innovation and Infrastructure, Sustainable Cities and Communities, and Responsible Consumption and Production and Climate Action. The fund integrates ESG (Environmental, Social and Governance) factors in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to, normative, activity-based and region-based exclusions, carbon reduction target and proxy voting.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
DPAM B Equities World Sustainable B
DPAM B (Investment company according to Belgian law)
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,8% on the amount of the position
Ongoing charges 1,91%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives and investment policy Objective: The objective of the sub-fund is to offer you exposure to equity securities of companies from around the world. The sub-fund promotes a combination of environmental and social aspects within the meaning of Article 8 of Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector, and must contain a minimum proportion of sustainable investments within the meaning of the same Regulation. This is an actively managed sub-fund, which means that the portfolio manager does not aim to replicate the performance of a benchmark. Investment policy: The sub-fund principally invests (without any sectorial restrictions) in shares and/or other securities giving access to the capital of companies from throughout the world. The selection is based on a methodology that: -excludes companies not in compliance with certain global standards, including the UN Covenant (human rights, labour rights, environmental protection and anti-corruption), -excludes companies involved in controversial activities (tobacco, gambling, thermal coal) or involved in major ESG controversies (incidents, allegations related to environmental, social, governance issues), is based on a best-in-class quantitative ESG approach and a qualitative ESG approach, and -aims to achieve impact and sustainability by ensuring that the company's products and/or services finance ? as a proportion of its turnover ? sustainable development. More information on the product can be found on the website www.dpamfunds.com. Derivative products: The sub-fund may, on an optional basis, use derivatives such as options and/or futures contracts (?futures? and/or ?forwards?) in order to achieve the investment objectives and/or for risk hedging purposes (hedging or exposure of/to interest rate and credit risks). Benchmark: MSCI AC World Net Return. Use of the benchmark: The benchmark is used to compare performance. The selection and weighting of the assets in the sub-fund's portfolio may differ significantly from the composition of the benchmark. Subscription/Redemption: All subscription or redemption requests may be made prior to 3:00 p.m. (Belgian time) on each business day to Banque Degroof Petercam SA.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Goldman Sachs Funds III Goldman Sachs Euro Sustainable Credit (Ex-Financials) P Dis EUR
Goldman Sachs Funds III (Investment company according to Luxembourg law)
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,39% on the amount of the position
Ongoing charges 0,96%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives The Fund is classified as a financial product under Article 8 of the EU Sustainable Finance Disclosure Regulation. The Fund promotes environmental or social characteristics and has partial sustainable investments as its objective. The Fund integrates ESG factors and risk in the investment process alongside traditional factors. Detailed information on the sustainability related disclosures of the Fund can be found in the Pre-Contractual Document (annex of the prospectus) on https://www.gsam.com/responsible-investing/en-INT/non-professional/funds/documents. The fund invests predominantly in euro-denominated debt securities and Money Market Instruments from issuers pursuing sustainable development while taking into account environmental, social and governance principles. To determine our eligible sustainable universe, companies are screened using exclusionary screening. Companies with serious and structural issues concerning controversial behavior are excluded. We do not invest in issuers involved in activities including but not limited to, the development, production, maintenance or trade of controversial weapons, the production of tobacco products, thermal coal mining and/or oil sands production. Further, more stringent restrictions are applicable for investments in issuers involved in activities related to gambling, weapons, adult entertainment, fur & specialty leather, Arctic drilling and shale oil & gas. The fund primarily invests in a diversified portfolio of corporate bonds (excluding financials) of high quality denominated in Euro (with a rating of AAA to BBB-). The fund may invest a limited percentage in financials and in corporate bonds with a higher risk and therefore with a higher yield (with a quality rating lower than BBB-). Measured over a period of several years we aim to beat the performance of the benchmark Bloomberg Euro Aggregate Corporate ex Financials. The benchmark is a broad representation of our investment universe. The fund can also include bonds that are not part of the benchmark universe. We actively manage the fund with a focus on company selection. Our selection process involves both financial analysis and ESG (Environmental, Social and Governance) analysis. In the selection process, the focus of the analysis is on companies that pursue a policy of sustainable development next to their financial targets. We combine this analysis with a broader market analysis to construct the optimal portfolio. We aim to exploit differences in bond valuations of companies within a sector and differences in valuations between sectors and different quality segments (ratings). Therefore the fund positioning can materially deviate from the benchmark. As issuer specific risk is an important driver of performance, we subject all issuers in the investable universe to an in-depth analysis of business and financial risk. For risk management purposes, issuer, sector and rating deviation limits are maintained relative to the benchmark. You can sell your participation in this fund on each (working) day on which the value of the units is calculated, which for this fund occurs daily. The fund aims at providing you with a regular dividend. The return of the Portfolio depends on the performance of the Portfolio, which is directly related to the performance of its investments. The risk and reward profile of the Portfolio described in this key information document assumes that you hold your investments in the Portfolio for at least the Recommended Holding Period as set out below under the heading ?How long should I hold it and can I take money early out". Please see the section ?How long should I hold it and can I take my money out early?? below for additional details (including restrictions and/or penalties) on the ability to redeem your investment in the Fund. Intended retail investor Shares in the Portfolio are suitable for any investor (i) for whom an investment in the Fund does not constitute a complete investment program; (ii) who fully understands and is willing to assume that the Fund has a risk of 2 out of 7, which is a low risk class ; (iii) who is neither a U.S. Person nor subscribing for Shares on behalf of one or more U.S. Persons; (iv) who understands that they may not recover any or all of the invested amount and can bear the loss of their entire investment; and (v) who are looking for short term investment.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Pictet Global Environmental Opportunities P EUR
Pictet (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,8% on the amount of the position
Ongoing charges 2,12%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
OBJECTIVE To increase the value of your investment while seeking to achieve a positive environmental and social impact. REFERENCE INDEX MSCI AC World (EUR), an index that does not take into account environmental, social and governance (ESG) factors. Used for risk monitoring, performance objective and performance measurement. PORTFOLIO ASSETS The Compartment mainly invests in equities of companies in clean energy and water, agriculture, forestry and other areas of the environmental value chain. The Compartment may invest worldwide, including in emerging markets and Mainland China. DERIVATIVES AND STRUCTURED PRODUCTS The Compartment may use derivatives to reduce various risks (hedging) and for efficient portfolio management, and may use structured products to gain exposure to portfolio assets. COMPARTMENT CURRENCY EUR INVESTMENT PROCESS In actively managing the Compartment, the investment manager uses a combination of market and fundamental company analysis to select securities that it believes offer favourable growth prospects at a reasonable price. The investment manager considers ESG factors a core element of its strategy by seeking to invest mainly in economic activities that contribute to an environmental objective whilst avoiding activities that adversely affect society or the environment. Voting rights are methodically exercised and there may be engagement with companies to positively influence ESG practices. For further information, please refer to our exclusion framework in the Responsible Investment policy*, SFDR product category Article 9. The portfolio composition is not constrained relative to the benchmark, so the similarity of the Compartment's performance to that of the benchmark may vary. Intended retail investor Suitable for investors with all levels of knowledge and/or experience, seeking capital growth and who have a 5 years or more investment horizon. The product does not have any capital guarantee and up to 100% of their capital is at risk. A specific environmental, social and corporate governance strategy (ESG) is followed for this product.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Triodos Sicav I Triodos Impact Mixed Fund - Neutral R
Triodos Sicav I (Investment company according to Luxembourg law)
Sector/type: Mixed Neutral Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,45% on the amount of the position
Ongoing charges 1,55%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives: The fund aims to increase the value of your investment over the medium to long term, while seeking to maximise positive impact on society and the environment. The fund has sustainable investment as its objective as set out in article 9 SFDR. The fund invests in a balanced mix of bonds (including impact and other corporate bonds and government bonds) and equities of companies in developed countries. These companies and the proceeds of the impact and corporate bonds must contribute to, or finance projects in, at least one of the transition themes defined by Triodos: sustainable food and agriculture, renewable resources, circular economy, sustainable mobility and infrastructure, prosperous and healthy people, innovation for sustainability, or social inclusion and empowerment. Issuers that do not meet the Triodos sustainability standards are excluded from investment. Bonds can be issued by corporate bodies or governments. All bonds must be investment grade and denominated in EUR. The return of the fund is determined on the one hand by interest and dividend income from investments minus the costs of managing the fund, and on the other hand by the price changes of the investments, including currency effects for the equities. The return of the fund depends to a large extent on interest rate and currency developments and market movements. The fund is actively managed. It compares its returns with the MSCI World Index (50%), iBoxx Euro Corporates Overall Total Return (30%) and iBoxx Euro Eurozone Sovereign 1-10 Total Return (20%), which it does not aim to replicate or outperform. The fund may deviate from the benchmark because it only invests in companies that meet strict sustainability criteria.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
Carmignac Portfolio Grande Europe A EUR Acc
Carmignac Portfolio (Investment company according to Luxembourg law)
Sector/type: Shares (region) : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,7% on the amount of the position
Ongoing charges 2,37%
Performance fee 1.01%
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives : The sub-fund aims to outperform its reference indicator (the Stoxx 600 NR (EUR) index) over a period exceeding five years. In addition, it seeks to invest sustainably for longterm growth. The sub-fund is a European equity sub-fund which invests at least 75% of its assets in equities in the European Economic Area. The sub-fund may also be invested up to 25% of its assets in equities in the OECD countries outside of the European Economic Area. The fund can invest up to 10% of the net assets in bonds with a rating below investment grade. The manager may use Relative Value strategies as performance drivers, looking to take advantage of the relative value between different instruments. Short positions may also be taken through derivatives. The sub-fund uses derivatives for hedging or arbitrage purposes, or to expose the portfolio to the following risks (directly or via indices): currencies, bonds, equities (all categories of capitalisation), ETFs, dividends, volatility, variance (the latter two categories for up to 10% of net assets) and commodities. The derivatives available are options (vanilla, barrier, binary), futures and forwards, swaps (including performance) and CFDs (contracts for difference) on one or more underlyings. Up to 10 % of the net assets may be invested in contingent convertible bonds (?CoCos?). CoCos are regulated subordinated debt instruments that are complex, but consistent in nature. Please refer to the prospectus for more information. The sub-fund may invest up to 10% of its net assets in units or shares of UCIs This sub-fund is an actively managed UCITS. The investment manager has discretion over the composition of its portfolio, subject to the stated investment objectives and policy. The subfund's investment universe is at least partly derived from the Reference indicator. The subfund's investment strategy is not dependent on the Reference indicator; therefore, the subfund's holdings and the weightings may substantially deviate from the composition of the Reference indicator. There is no limit set on the level of such deviation. The sub-fund has a sustainable investment objective in accordance with Article 9 of the Sustainable Finance Disclosure Regulation ('SFDR'). Through a best-in-universe approach, the sub-fund invests at least 80% of its net assets in sustainable investments within the meaning of SFDR, of which at least 10% with an environmental objective and at least 30% with a social objective. Extra financial analysis leads to a reduction of at least 20% in the fund's investment universe via a negative filter excluding companies whose extra financial ratings reflect high risks. In addition, the fund targets carbon emissions (tCO2/ mUSD revenue converted to Euros; aggregated at portfolio level ; Scope 1 and 2 of GHG Protocol) of 50% lower than those of its benchmark. The sustainable investment definition used by the sub-fund uses the United Nations Sustainable Development Goals ('SDGs') framework. This framework is one of several that can be used to illustrate positive results; others may yield different results. The sustainability risk of the sub-fund may differ from that of its reference indicator. Term : The SICAV was launched on 30/06/1999 for unlimited period. The sub-fund was launched on 01/07/1999.
The investment policy of the fund is extracted from the Priips KID
The decision to invest in the promoted UCI should take into account all of the UCI's characteristics and objectives.
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.
This is a marketing communication. Please refer to the prospectus of the UCITS and to the Key information document (Priips KID) before making any final investment decisions.
Robeco Capital Growth Funds Robeco Global Consumer Trends D EUR
Robeco Capital Growth Funds (Investment company according to Luxembourg law)
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,825% on the amount of the position
Ongoing charges 1,94%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objective: Robeco Global Consumer Trends is an actively managed fund that invests in stocks in developed and emerging countries across the world. The selection of these stocks is based on fundamental analysis. The fund's objective is to achieve a better return than the index. The fund invests in a number of structural growth trends in consumer spending. The first is the "digital transformation of consumption". The second trend is that of the growth in the ?emerging middle class?. The third trend focuses on the increasing importance of "health & wellbeing". The fund managers aim to select stocks of the structural winners within these trends. The fund promotes E&S (i.e. Environmental and Social) characteristics within the meaning of Article 8 of the European Sustainable Finance Disclosure Regulation, integrates sustainability risks in the investment process and applies Robeco?s Good Governance policy. The fund applies sustainability indicators, including but not limited to normative, activity-based and region-based exclusions, proxy voting and engagement. Benchmark: MSCI All Country World Index (Net Return, EUR) The majority of stocks selected will be components of the Benchmark, but stocks outside the Benchmark may be selected too. The investment policy is not constrained by a Benchmark but the fund may use a benchmark for comparison purposes. The fund can deviate substantially from the issuer, country and sector weightings of the Benchmark. There are no restrictions on the deviation from the Benchmark. the Benchmark is a broad market weighted index that is not consistent with the ESG characteristics promoted by the fund. The fund aims to outperform by taking positions that deviate from the benchmark. SFDR Article: 8 Currency Risk: The fund can engage in currency hedging transactions. Typically currency hedging is not applied. Dividend policy: Accumulating
The investment policy of the fund is extracted from the Priips KID
Aphilion Q² (Investment company according to Belgian law)
Sector/type: Shares (region) : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,5% on the amount of the position
Ongoing charges 1,99%
Performance fee Not applicable
- Currency risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Operational risk
- Emerging markets risk
- Equity risk
- Volatility risk
- Concentration risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
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.
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 susceptible to loss due to adverse occurrences affecting that country, market, industry, sector or asset class. For more details about risk, see section 5 “Risk Factors Annex” of the prospectus.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
The investment policy of the fund is extracted from the Priips KID
Franklin Templeton Investment Funds Templeton Global Total Return Fund A
Franklin Templeton Investment Funds (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : Miscellaneous
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,525% on the amount of the position
Ongoing charges 1,48%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives Investment Objective The Fund aims to maximise total investment return by achieving an increase in the value of its investments, earning income and realising currency gains over the medium to long term. Investment Policy The Fund pursues an actively managed investment strategy and invests mainly in: ? debt securities of any quality (including lower quality debt such as noninvestment grade securities) issued by governments, government-related or corporate entities in any developed or emerging markets The Fund can invest to a lesser extent in: ? mortgage- and asset-backed securities ? debt securities of supranational entities, such as the European Investment Bank ? Mainland China through the Bond Connect or directly (less than 30% of assets) ? securities in default (limited to 10% of assets) ? units of other mutual funds (limited to 10% of assets) The Fund can use derivatives for hedging, efficient portfolio management and/or investment purposes which are used as an active investment management instrument to gain exposure to markets. The flexible and opportunistic nature of the strategy allows the investment team to take advantage of different market environments. In making investment decisions, the investment team uses in-depth research about various factors that may affect bond prices and currency values. The Fund may hold significant amounts of bank deposits, money market instruments or money market funds due to the use of derivatives or in order to achieve its investment goals and for treasury purposes. The Fund may distribute income gross of expenses. Whilst this might allow more income to be distributed, it may also have the effect of reducing capital. The benchmark of the Fund is the Bloomberg Multiverse Index. The benchmark is used solely as a reference for Investors to compare against the Fund's performance, and the benchmark is neither used as a constraint on how the Fund's portfolio is to be constructed nor set as a target for the Fund's performance to beat. The Fund can deviate from the benchmark. Share Class Policy The income received from the Fund's investments is accumulated with the result of increasing the value of the shares. Processing of subscription and redemption orders You may request the sale of your shares on any Luxembourg business day.
The investment policy of the fund is extracted from the Priips KID
Invesco Funds Invesco Euro Bond Fund A-SD
Invesco Funds (Investment company according to Luxembourg law)
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,375% on the amount of the position
Ongoing charges 1,13%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives - The objective of the Fund is to achieve long-term capital growth, together with income. - The Fund will invest primarily in debt instruments denominated in Euro. - The Fund will invest in debt instruments (including contingent convertibles) issued worldwide by governments or companies. - The Fund may invest in debt instruments which are in financial distress (distressed securities). - The Fund may also gain exposure to securitised debt. - The Fund may make significant use of derivatives (complex instruments) in order to (i) reduce the risk and/or generate additional capital or income and/or (ii) meet the Fund?s investment objectives by generating varying amounts of leverage (i.e. where the Fund gains market exposure in excess of the net asset value of the Fund). - The Fund is actively managed and is not constrained by its benchmark, the Bloomberg Euro Aggregate Index (Total Return), which is used for comparison purposes. However, as the benchmark is a suitable proxy for the investment strategy, it is likely that the majority of the issuers in the Fund are also components of the benchmark. As an actively managed fund, this overlap will change and this statement may be updated from time to time. - The Fund has broad discretion over portfolio construction and therefore it is expected that over time the risk return characteristics of the Fund may diverge materially to the benchmark. - Please refer to the past performance of the Fund published on the website of Invesco Management S.A, where a benchmark will be displayed if relevant. - The Fund promotes environmental, social and governance (ESG) criteria as covered under Article 8 of the Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector. - You can buy and sell shares in the Fund on any Dealing Day (as defined in the Prospectus). - Any income from your investment will be paid semi-annually.
The investment policy of the fund is extracted from the Priips KID
Edmond de Rothschild Fund Bond Allocation A
Edmond de Rothschild Fund (Investment company according to Luxembourg law)
Sector/type: Bonds Euro (without term) : Euro
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,4% on the amount of the position
Ongoing charges 1,67%
Performance fee 0.37%
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objective: The Product's objective is to offer an annualised performance exceeding its reference index. Benchmark index: The benchmark will be expressed in the Class currency. The benchmark of the Product is composed of 50% of the Bloomberg Barclays Euro Aggregate Corporate Total Return Index and 50% of the Bloomberg Barclays Euro Aggregate Treasury Total Return Index. The benchmark index serves only for comparison purposes. The Product is actively managed. Investment policy: The Investment Manager will systematically include environmental, social and governance (ESG) factors in their financial analysis in order to select the portfolio?s securities. At least 90% of debt securities and money market instruments or those issued by ?emerging? countries will have an ESG rating within the portfolio. At the end of this process, the Product will have an ESG rating that is greater than that of its investment universe. Furthermore, the security selection process also includes a negative filter to exclude companies that contribute to the production of controversial weapons in compliance with international conventions in this area as well as companies that are exposed to activities related to thermal coal or tobacco in accordance with the exclusion policy of Edmond de Rothschild Group, which is available on its website: https://www.edmond-de-rothschild.com/en/Pages/Responsible-investment.aspx. The Product Classifies as Article 8(1) SFDR as it promotes a combination of ESG characteristics, although no reference benchmark has been designated for the purpose of attaining the environmental or social characteristics. In view of its ESG strategy, the Product promotes environmental characteristics but does not invest in environmentally sustainable economic activities. The investments underlying this financial product do not take into account the EU criteria for environmentally sustainable economic activities, in the context of the Taxonomy Regulation. The investment approach of the Product combines both top-down and bottom-up factors. As such the Product benefits from the complementary skills of the Investment Manager, combining relevant macroeconomic analysis with specific bond picking skills in each fixed income market segment. The Product may hold up to 100% of its net assets in securities issued in currencies other than the euro. The currency risk resulting from these investments will be systematically hedged. The Product may invest up to 20% of its net assets in onshore RMB (CNY) denominated debt securities. Onshore RMB denominated debt securities (CNY) may include securities traded both directly on the Chinese interbank bond market (CIBM) and PRC Stock Exchanges. These investments will be made through the Bond Connect program. The Product?s Modified Duration may vary from -2 to 8. The Product may use financial derivative instruments to achieve its investment objective. These strategies, due to the use of derivatives, may potentially induce a relatively high leverage. Up to the limit of 10% of its net assets, the Product may invest in units or shares of UCITS or other Investment Funds. Income allocation: Accumulation
The investment policy of the fund is extracted from the Priips KID
Fidelity Funds Emerging Market Debt Fund A
Fidelity Funds (Investment company according to Luxembourg law)
Sector/type: Bonds basket foreign currencies (without term) : Growth markets
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,6% on the amount of the position
Ongoing charges 1,90%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Risk of less developed countries
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
Inflation risk
Debts securities may lose more value than other assets in case of rising inflation (typically, the real value of a bond decreases when the return thereof does not compensate for the drop of purchasing power caused by inflation). The occurrence of the inflation risk may entail a decrease of the value of the assets in portfolio and hence reduce the return of your investment.
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.
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.
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.
Objective: The fund aims to achieve capital growth over time and provide income. Investment Policy: The fund invests at least 70% of its assets, in emerging market debt securities issued by governments, quasi governments, banks, financial institutions and corporate entities. The fund may also invest in other types of debt securities, equity securities, lower quality debt securities and on an ancillary basis in money market instruments. The fund invests at least 50% if its assets in securities of companies with favourable environmental, social and governance (ESG) characteristics. The fund may invest in the following assets according to the percentages indicated: Listed China onshore bonds (directly and/or indirectly): less than 30% (in aggregate) hybrids and contingent convertible (CoCo) bonds: less than 30%, with CoCos less than 20%. The fund may also invest in other subordinated financial debt and preference shares. The fund is unconstrained in the amount that it may invest in below investment grade securities or issuers. The fund?s exposure to distressed securities is limited to 10% of its assets. Investment Process: In actively managing the fund, the Investment Manager uses in-house research and investment capabilities to identify suitable opportunities across bond issuers, sectors, geographies, and security types. This may include an assessment of bond issuers? creditworthiness, macroeconomic factors, and valuations. The Investment Manager also considers ESG factors when assessing investment risks and opportunities. In determining favourable ESG factors, the Investment Manager takes into account ESG ratings provided by Fidelity or external agencies. Through the investment management process the Investment Manager aims to ensure that investee issuers and countries follow good governance practices. The fund adheres to the Fidelity Sustainable Investing Framework standards. For more information, see ?Sustainable Investing and ESG Integration?. Derivatives and Techniques: The fund may use derivatives for hedging, efficient portfolio management and investment purposes. Benchmark: J.P. Morgan Emerging Markets Bond Index - Global Diversified, an index that does not take into account ESG characteristics. Used for: risk monitoring, investment selection and performance comparison. Base Currency: EUR. Risk Management Method: Commitment. Additional Information: You may sell (redeem) some or all of your Shares on any Valuation Day. As this is a non-distributing share class, dividends are re-invested. This key information document describes a sub-fund of Fidelity Funds. A separate pool of assets is invested and maintained for each sub-fund of Fidelity Funds. The assets and liabilities of the fund are segregated from those of other sub-funds and there is no cross-liability among the sub-funds. For more information, please consult the prospectus and latest reports and accounts which can be obtained free of charge in English and other main languages from FIL Investment Management (Luxembourg) S.A. These documents and details of the Remuneration Policy are available via https://www.fil.com. The Net Asset Value of the funds is available at the registered office of FIL Investment Management (Luxembourg) S.A., and at www.fidelityinternational.com. Depositary: Brown Brothers Harriman (Luxembourg) S.C.A.
The investment policy of the fund is extracted from the Priips KID
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.
This is a marketing communication. Please refer to the prospectus of the UCITS and to the Key information document (Priips KID) before making any final investment decisions.
DNCA Invest (Investment company according to Luxembourg law)
Sector/type: Mixed Neutral Risk : Europe
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,7% on the amount of the position
Ongoing charges 1,51%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Inflation risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Emerging markets risk
- Equity risk
- Leverage risk
- Hedging risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
Inflation risk
Debts securities may lose more value than other assets in case of rising inflation (typically, the real value of a bond decreases when the return thereof does not compensate for the drop of purchasing power caused by inflation). The occurrence of the inflation risk may entail a decrease of the value of the assets in portfolio and hence reduce the return of your investment.
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.
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.
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.
Hedging risk
A fund's attempts to reduce or eliminate certain risks may not work as intended.
OBJECTIVES 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. Investors? attention is drawn to the fact that the management style is discretionary and integrates environmental, social / societal and governance (ESG) criteria. The overall investment strategy of the 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 is also managed taking into consideration Responsible and Sustainable principles and promotes environmental and/or social characteristics within the meaning of Article 8 of SFDR. Additional information on SRI strategy may be obtained in the prospectus of the Sub-Fund. The following limits apply: - For up to 100% of its net assets, the Sub-Fund may be exposed to fixed income securities. Within the limit the fixed income securities may mostly be denominated in Euro, composed of securities issued by public or private sector-issuers, and be incorporated in a country which is an OECD member state, without any ranting constraint including non-rated issues. - For up to 50% of its net assets the Sub-Fund may be exposed to securities belonging to the ?speculative grade? category (i.e. which have a rating below a Standard & Poor?s minimum A-3 short term or BBB- long term rating or equivalent) or non-rated. The Management Company shall not solely base its investment decisions on ratings assigned by independant rating agencies and can proceed to its own credit risk assessment. - For up to 35% of its net assets, the Sub-Fund may be exposed to equities. Within this limit, the equities may moslty be issued by issuers incorporated in OECD members states, belonging to all market capitalisations catergories, and denominated in Euro. Investment in equities issued by issuers which capitalisation is under 1 billion Euros may not exceed 5% of the net assets of the Sub-Fund. - Up to 5% of its net assets, the Sub-Fund may be exposed to securities which may qualify as distressed securities (i.e. which have a Standard & Poor?s rating below CCC long-term rating or equivalent). - The Sub-Fund may invest up to 15% of its net assets in Asset backed securities (ABS) inter alia mortgage backed securities (MBS) invested into shall consist of securities that are rated at least B- by Standard & Poor?s for example or that are considered of a comparable credit quality by the Management Company. The aggregate exposure to equities incorporated in non-OECD members states and/or (ii) fixied income securities issued by issuers incorporated in a non-OECD member state and/or guaranteed by a non-OECD member state, may not exceed 10% of the net asset of the Sub-Fund. - Up to 10% of its net assets in contingent convertibles bonds. The duration of the Sub-Fund's portfolio will be limited to 7 years. The Sub-Fund may invest up to 10% of its net assets in units and/or shares of UCITS and/or other UCIs including ETFs. In order to achieve the investment objective, the Sub-Fund may invest in equities or related financial derivative instruments for the purpose of hedging or increasing equity or interest rate risk without seeking overexposure. The Sub-Fund may also be exposed up to 100% of its net assets to financial derivative instruments or OTC derivatives such as, but not limited to, futures, options, CDS, CDS on indices, negotiated on regulated or OTC markets, for hedging or investment purposes (e.g. increasing equity exposure, interest rate risk, credit risk, without seeking overexposure). The Sub-Fund is actively managed and uses the benchmark for performance comparison purposes. This means the Management Company is taking investment decisions with the intention of achieving the Sub-Fund?s investment objective; this may include decisions regarding asset selection and overall level of exposure to the market. The Management Company is not in any way constrained by the benchmark in its portfolio positioning. The deviation from the benchmark may be complete or significant.
The investment policy of the fund is extracted from the Priips KID
Fidelity Funds Global Multi Asset Income Fund A-ACC-Euro (hedged)
Fidelity Funds (Investment company according to Luxembourg law)
Sector/type: Mixed Low Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,625% on the amount of the position
Ongoing charges 2,30%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives Objective: The fund aims to achieve moderate capital growth over the medium to long term and provide income. Investment Policy: The fund invests in a range of asset classes Including debt securities, equities, real estate, infrastructure, from anywhere in the world, including emerging markets. The fund invests at least 50% of its assets in securities of issuers with favourable environmental, social and governance (ESG) characteristics. The fund may invest in the following assets according to the percentages indicated: investment grade bonds: up to 100% below investment grade bonds: up to 60% emerging market bonds: up to 50% equities: up to 50% government bonds: up to 50% China A and B shares and listed onshore bonds (directly and/or indirectly): less than 20% (in aggregate) eligible REITs and infrastructure securities: less than 30% (in each asset class) hybrids and contingent convertible (CoCo) bonds: less than 30%, with less than 20% in contingent convertible (CoCo) bonds money market instruments: up to 25%. The fund may also Invest in other subordinated financial debt and preference shares The fund?s exposure to distressed securities is limited to 10% of its assets. Investment Process: In actively managing the fund, the Investment Manager will allocate investments across asset classes and geographic areas based on their potential to generate income and capital growth or reduce overall risk. The fund?s income is mainly generated by dividend payments of equities and coupon payments of bonds. The Investment Manager also considers ESG characteristics when assessing investment risks and opportunities. In determining favourable ESG characteristics , the Investment Manager takes into account ESG ratings provided by Fidelity or external agencies. Through the investment management process, the Investment Manager aims to ensure that investee companies follow good governance practices. The fund adheres to the Fidelity Sustainable Investing Framework standards. For more information, see ?Sustainable Investing and ESG Integration?. Derivatives and Techniques: The fund may use derivatives for hedging, efficient portfolio management and investment purposes. Benchmark: None. Base Currency: EUR. Risk Management Method: Commitment. Additional Information: You may sell (redeem) some or all of your Shares on any Valuation Day. As this is a non-distributing share class, dividends are re-invested. This key information document describes a sub-fund of Fidelity Funds. A separate pool of assets is invested and maintained for each sub-fund of Fidelity Funds. The assets and liabilities of the fund are segregated from those of other sub-funds and there is no cross-liability among the sub-funds. For more information, please consult the prospectus and latest reports and accounts which can be obtained free of charge in English and other main languages from FIL Investment Management (Luxembourg) S.A. These documents and details of the Remuneration Policy are available via https://www.fil.com. The Net Asset Value of the funds is available at the registered office of FIL Investment Management (Luxembourg) S.A., and at www.fidelityinternational.com. Depositary: Brown Brothers Harriman (Luxembourg) S.C.A.
The investment policy of the fund is extracted from the Priips KID
Goldman Sachs Funds V Goldman Sachs Patrimonial Balanced P Dis EUR
Goldman Sachs Funds V (Investment company according to Luxembourg law)
Sector/type: Mixed Neutral Risk : World
Lower risk
Higher risk
Stock exchange tax at redemption (1) not applicable
Withholding tax (1) 30%
Exit fees Free
Capital Gains Tax (1) (3) not applicable
Distribution fee 0,72% on the amount of the position
Ongoing charges 1,64%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.
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.
Sustainability risk
ESG related risk events or conditions could cause a material negative impact on the value of the investment if they were to occur.
Objectives The Fund is classified as a financial product under Article 8 of the EU Sustainable Finance Disclosure Regulation. The Fund promotes environmental or social characteristics and has partial sustainable investments as its objective. The Fund integrates ESG factors and risk in the investment process alongside traditional factors. Detailed information on the sustainability related disclosures of the Fund can be found in the Pre-Contractual Document (annex of the prospectus) on https://www.gsam.com/responsible-investing/en-INT/non-professional/funds/documents. The fund is a fund of funds and invests primarily in a diversified international portfolio of equity and fixed income funds (funds that invest in either stocks or fixed income instruments). Also other financial instruments can be used to achieve the investment objectives. The fund may also invest directly, up to 20% of its net assets, in mainland China via Stock Connect which is the mutual market access programme through which investors can deal in selected securities. The fund uses active management to respond to changing market conditions by using amongst others fundamental and behavioural analysis resulting in dynamic asset allocations over time. The fund positioning can therefore materially deviate from the benchmark. The fund is actively managed against an investment profile of 50% bonds denominated in Euro (benchmark Bloomberg Euro Aggregate) and 50% global stocks (benchmark MSCI AC World (NR)), with a bandwidth of 20%. Measured over a period of several years we aim to beat the performance of the combined benchmark. The benchmark is a broad representation of our investment universe. The fund may also include investments into securities that are not part of the benchmark universe. We put an accent on stable capital growth. The fund strives to add value via three approaches: (1) Selection within and between stocks and bonds, (2) Selection in a diverse set of funds (3) Decide on portfolio diversification and risk management. You can sell your participation in this fund on each (working) day on which the value of the units is calculated, which for this fund occurs daily. The fund aims at providing you with a regular dividend. The return of the Portfolio depends on the performance of the Portfolio, which is directly related to the performance of its investments. The risk and reward profile of the Portfolio described in this key information document assumes that you hold your investments in the Portfolio for at least the Recommended Holding Period as set out below under the heading ?How long should I hold it and can I take money early out". Please see the section ?How long should I hold it and can I take my money out early?? below for additional details (including restrictions and/or penalties) on the ability to redeem your investment in the Fund.
The investment policy of the fund is extracted from the Priips KID
Vector (Investment company according to Luxembourg law)
Sector/type: Mixed flexible
Lower risk
Higher risk
Stock exchange tax at redemption (1) 1,32%, max 4000 €
Withholding tax (1) not applicable
Exit fees Free
Capital Gains Tax (1) (3) 30%
Distribution fee 0,65% on the amount of the position
Ongoing charges 2,05%
Performance fee Not applicable
- Currency risk
- Interest rate risk
- Credit risk
- Derivatives risk
- Liquidity risk
- Counterparty risk
- Emerging markets risk
- Equity risk
- Sustainability risk
- For more details regarding the risks, please refer to the prospectus.
It is possible this fund applies Swing Pricing. For more information, please read the prospectus.
Legal Documents
Priips KID
Prospectus
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.