08:30Analysis of November 2025
featuredOn the eve of a new year, Keyprivate's investment committee is rather optimistic about the global economy. What are the arguments supporting this vision? Discover them in our monthly video.
KEYprivate
Let us manage your portfolio
Invest in a personalised portfolio of trackers in a cost efficient manner. Actively managed by our experts and following an algorithm that allows for an optimal spread of your investment. Starting from 15 000EUR .
Questions? Call us at 02 679 91 11 (Monday to Friday, 9 to 17h) or mail to keyprivate@keytradebank.com.
Your wealth is in good hands
With Keyprivate, we invest your money for you. Not through individual shares, but through cost efficient trackers. These are composed of dozens, sometimes hundreds of underlying assets. The result is a widely diversified portfolio that not only accords to your own personalised risk profile but also avoids unnecessary costs.
Diversified thanks to the use of trackers
With Keyprivate, your money is invested in a selection of 8 cost efficient trackers: 4 share trackers, 2 bond trackers and 2 commodity trackers. Add a cash as asset class when needed. In short, everything our investment committee needs to ensure a wider spread of potential risk and an optimal allocation according to your risk profile.
Optimal allocation
The right ‘mix’ of major investment categories: that's what determines a large part of your investment result. As a result, Keyprivate puts the emphasis on ‘asset allocation. We aim the optimal balance, based on your risk profile and according to the market context.
Any sustainability preferences?
Keyprivate can take care of them too. Just let us know if you have sustainability preferences. Your answers to our questionnaire and your risk profile will determine if your portfolio will be composed of instruments that are following the Paris Aligned Benchmarks.
Less costs
By investing in cost-efficient trackers you are getting with Keyprivate a widely diversified portfolio, without unnecessary costs. Apart from the unavoidable taxes, the only cost you pay is our low fixed management fee.
This fee amounts to 0.91% per year, including VAT and transaction costs. Overall you are paying 2 to 3 times less than at a traditional portfolio management firm.
Constant rebalancing
Market movements or fluctuating performances of the various trackers may result in your portfolio no longer being efficient or optimal. Our investment committee meets once a month to assess your portfolio and adjust it, if needed.
This constant rebalancing ensures that the level of risk taken is according to your risk profile.
![policy on responsible investing]()
Policy on responsible investing
Keyprivate takes into account Keytrade Bank’s policy on responsible investing. This policy outlines, among other things, how the Keyprivate investment committee integrates ESG factors into its investment strategy.
Calculate your return
Discover what KEYPRIVATE can do for your portfolio
Returns
Have a look at the past performance of our different portfolios. These are net returns, meaning after the withdrawal of the management fees (0.91% per year incl. VAT) and possible taxes. Past performances are not a reliable indicator of future results.
Very moderate
This portfolio focuses less on shares (15% maximum) and more on bonds and liquidities.
6.80%
From 01/01/2025
Yearly returns
2024
+6.92%
2023
+7.38%
2022
-10.06%
2021
+10.29%
2020
-1.90%
2019
+4.90%
2018
-6.64%
2017
+2.24%
Balanced
This portfolio focuses both on shares (50% maximum) and on bonds (75% maximum).
8.34%
From 01/01/2025
Yearly returns
2024
+8.38%
2023
+9.36%
2022
-10.21%
2021
+12.37%
2020
-1.92%
2019
+5.02%
2018
-4.84%
2017
+4.64%
Dynamic
This portfolio focuses more on shares (65% maximum) and less on bonds (65% maximum).
12.89%
From 01/01/2025
Yearly returns
2024
+10.85%
2023
+11,7%
2022
-9.34%
2021
+15.12%
2020
-1.44%
2019
+7.11%
2018
-7.78%
2017
+7.13%
Risks
Even though our experts do everything they can to mitigate them, there are certain risks. We are very transparent about that.
No capital guarantee and no guaranteed return
The value of your assets can rise or fall. Selling at a less favourable time could mean that you could lose part or, in theory, even all of your invested capital.
You have no say in the composition of your portfolio
In the case of discretionary asset management, the bank decides on your behalf. It determines what it believes is necessary for the proper management of your portfolio. In doing so, it continually defends your interests and ensures that it follows the investment strategy that has been carefully established together with you.
The trackers in your portfolio involve both benefits and risks
Like any financial product, trackers are subject to risks. You can find more information about this in our support section.
Sustainability risks within Keyprivate
As Keyprivate consists of trackers rather than individual shares, bonds or investment funds, sustainability risks cannot currently be used as a criterion in the investment decisions to be taken. It is possible to take this into account in our Keyprivate portfolio management only if the eight selected issuers apply this as a criterion when composing their tracker.
How to open a Keyprivate
It takes just a few steps to let us manage your portfolio.
Log in on a pc
It all starts on the dashboard of our transaction site.
Select 'Our products'
Go to Open a Keyprivate under Invest easily.
Open your Keyprivate
Determine your investor's profile by filling out our suitability test. We do the rest.
Watch our monthly videos
Geert Van Herck shares his view on the markets and reviews the latest returns. Our videos are available in French (and Dutch).
08:30
07:30Analysis of October 2025
October was an excellent month for equity investors. The price of gold, on the other hand, showed significant volatility. What is the Keyprivate Investment Committee’s outlook on this, and are there any arguments for exiting the gold market? Watch our monthly video to find out everything that happened last month in the Keyprivate portfolios.
07:30Analysis of September 2025
The global economy continues to suffer from the decisions of U.S. President Donald Trump. In our monthly video, discover the impact of these decisions on the international economic situation. You will also learn whether investors should now switch to a defensive investment strategy.
07:30Analysis of August 2025
Macroeconomic indicators continue to point to a slowdown in global growth. Could this trend jeopardize the progress of equity markets? Should investors adopt a more defensive approach? You’ll find the answers in our video, where we explain Keyprivate’s strategy in these uncertain times.
07:30Analysis of July 2025
Concerns surrounding President Trump's trade policy continue to weigh on the global economy. In our monthly video, discover the key charts on the global economic outlook, as well as the reasons why no adjustments are currently planned in the Keyprivate portfolios.
10:34Analysis of June 2025
The first half of 2025 is behind us. To say it was volatile would be an understatement. In our monthly video, we look back at the main trends in the equity, bond, and commodity markets. We also review the net returns we achieved during these eventful six months.
10:34Analysis of May 2025
Recent economic indicators point to stagflation in the U.S. economy. What characterizes such a period of stagflation? Find out in our monthly video. You'll also learn all about the current portfolio composition and net returns.
