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Invest with Uppie!

Fancy giving your money a boost? Uppie will take you to the best savings or investment plan for your needs. Let Uppie lead the way: it’s easy and 100% digital!

Contact AG’s Uppie team
  • Starting from €10
  • Support and advice
  • AG expertise
what

What is Uppie?

Uppie is an online savings and investment solution developed by AG. Uppie helps you to invest seamlessly. Learn more about the benefits of a life insurance policy and let Uppie accompany you to the right product for you.

This service is brought to you by Keytrade Bank in partnership with AG, Belgium’s leading insurance company.

Who is AG? AG is the abbreviation for AG Insurance SA, Bd E. Jacqmain 53, 1000 Bruxe​lles (RPM Bruxelles – TVA BE 0404.494.849) - www.ag.be

other

Uppie: a savings and investment solution that stands out from the rest

Uppie’s plans are branch 21 and branch 23 life insurance products from AG in which you can invest or save your money, all while protecting your loved ones.

Below is some key information about these products:

  • Branch 23 is an open-ended investment plan insurance product which will potentially give you a higher return on your money, but comes with a risk of loss.
  • Branch 21 is a savings insurance product which will let you aim for more security.It has a fixed term and offers a guaranteed interest rate, as well as guaranteeing the capital net invested (i.e. excluding fees and taxes).
  • For either of these products, you may name the beneficiary of your choice – the individual(s) who will be paid your money in the event of your death.
  • You will enjoy long-term favorable taxation. You will pay 2% tax on each payment, and no more! There is no withholding tax on branch 23 products. You will only pay withholding tax on branch 21 products if you terminate your contract within 8 years.

There are 4 plans

  • Branch 23

    Uppie Star Fly

    You invest via the AG Life Growth fund, with a breakdown of approximately 25% in bonds and 75% in equities.

  • Branch 23

    Uppie Star Run

    You invest via the AG Life Balanced fund, with a breakdown of approximately 50% in bonds and 50% in equities.

  • Branch 23

    Uppie Star Go

    You invest via the AG Life Stability fund, with a breakdown of approximately 75% in bonds and 25% in equities.

  • Branch 21

    Uppie Moon

    This plan offers you a guaranteed interest rate, with a fixed term of 8 years and 1 month.

Why invest with uppie?

Starting from €10

Uppie is suitable for any budget, whether large or small: you can already start investing with as little as €10.

Support and personalized advice

Let Uppie guide you, step by step: Uppie will get to know you and advise you on the Uppie product which best meets your situation, your needs and the level of risk that you are willing to take.

AG expertise

Your money is in good hands. AG’s experts actively manage your money. In your best interests, they diversify investments as much as possible, minimising the effect of market fluctuations. In addition, they constantly fine-tune the fund’s asset mix with a view to delivering a higher yield.

Starting from €10

Uppie is suitable for any budget, whether large or small: you can already start investing with as little as €10.

Support and personalized advice

Let Uppie guide you, step by step: Uppie will get to know you and advise you on the Uppie product which best meets your situation, your needs and the level of risk that you are willing to take.

AG expertise

Your money is in good hands. AG’s experts actively manage your money. In your best interests, they diversify investments as much as possible, minimising the effect of market fluctuations. In addition, they constantly fine-tune the fund’s asset mix with a view to delivering a higher yield.

The 5 steps

Log in to your Keytrade Bank customer area.

  • Step 1

    Run a simulation

    You are redirected to AG’s Uppie site to find out more about what your money could return.

  • Step 2

    Create your Uppie profile

    Authenticate your identity to ensure the highest level of security.

  • Step 3

    Receive your investment advice

    Answer the questions and find out which plan is right for your needs.

  • Step 4

    Sign your contract

    You’re there: your contract is ready and all that remains is to sign it!

  • Step 5

    AG manages your investment

    Track your investment seamlessly from your Uppie customer area.

Need more information about the different plans?

Our Uppie-products in detail

Uppie Star Fly

This branch 23 life insurance policy invests via the AG Life Growth fund, with the following breakdown:

  • approximately 25% in bonds
  • approximately 75% in equities

There is no fixed term for this type of investment, but we would recommend investing for a minimum of 4 years.

Uppie Star Run

This branch 23 life insurance policy invests via the AG Life Balanced fund, with the following breakdown:

  • approximately 50% in bonds
  • approximately 50% in equities

There is no fixed term for this type of investment, but we would recommend investing for a minimum of 4 years.

Uppie Star Go

This branch 23 life insurance policy invests via the AG Life Stability fund, with the following breakdown:

  • approximately 75% in bonds
  • approximately 25% in equities

There is no fixed term for this type of investment, but we would recommend investing for a minimum of 3 years.

Want to know more about our 3 Uppie Star plans? Click for more info (DutchFrench) and see how AG fund values are performing.

Uppie Moon

This branch 21 life insurance policy is a savings plan with a fixed term of 8 years and 1 month, and offers a guaranteed interest rate. This interest rate applies when you pay the premium and may change for future premiums.

With Uppie Moon, you may receive a profit-sharing bonus each year. There are no guarantees that you will do so and the bonus may change each year.

It will depend on AG's profits and the general economic picture. Any profit-sharing bonus will be added to your saved amount (reserve) and will help increase your final capital amount. AG is not legally or contractually obliged to pay out a profit-sharing bonus.

How much can you invest or save?

The minimum deposit for the 4 Uppie plans is EUR 10.

Fees

Uppie Star Fly

  • Entry fee: 0.5% maximum of the premiums paid.
  • Exit fee: 1% for 2 years and 11 months. 3 years and onwards: free.
  • Management fee: estimated at 2.30% per year (calculated on december 31, 2020).

Uppie Star Run

  • Entry fee: 0.5% maximum of the premiums paid.
  • Exit fee: 1% for 2 years and 11 months. 3 years and onwards: free.
  • Management fee: estimated at 2.19% per year (calculated on december 31, 2020).

Uppie Star Go

  • Entry fee: 0.5% maximum of the premiums paid.
  • Exit fee: 1% for 2 years and 11 months. 3 years and onwards: free.
  • Management fee: estimated at 2.07% per year (calculated on december 31, 2020).

Uppie Moon

  • Entry fee: 1.25% maximum of the premiums paid.
  • Exit fee: a maximum of 1% of the theoretical purchase value, plus any potential financial adjustments. These additional fees mean that other savers' returns are not jeopardised.
  • No exit fees will be charged if the policy expires or if the insured person dies.
  • Management fees: 0.2% per year maximum, deducted directly from the saved amount (reserve).

Taxation

Uppie Star Fly - Uppie Star Run - Uppie Star Go

  • 2% tax is applied to each premium payment.
  • Inheritance tax may apply in the event of the insured person's death.
  • The tax treatment depends on your personal situation and may change at any time.
  • There is no withholding tax (which means that you will not pay tax on any potential profit).

Uppie Moon

  • 2% tax is applied to each premium payment.
  • Inheritance tax may apply in the event of the insured person's death.
  • Your tax liability will vary according to your personal circumstances and may change at any time.
  • A 30% withholding tax is only charged in the event of redemption within the first 8 years of the policy. It is calculated on the basis of a notional annual yield of 4.75%.

Risks

Uppie Star Fly - Uppie Star Run -Uppie Star Go

  • Market risk (or risk that the investment value will fluctuate): underlying assets rise and fall and the markets fluctuate constantly upwards and downwards (volatility principle). There are no guarantees with regard to the capital or the return, and no profit-sharing bonus is paid out by the insurance company.
  • Liquidity risk: in some exceptional circumstances (as set out in the fund management regulations), AG may postpone or suspend liquidating the fund's units (i.e your opportunity to redeem the money you have invested). This means you will have to wait for a while before redeeming all or some of your money.
  • Risks associated with managing funds: the fund in which you invest is managed by one or more experienced managers. Despite this expertise, there is always a risk that the investments made do not deliver the desired results.
  • Risk of the insurer going bankrupt: assets in the life insurance policy funds are managed separately from the insurer's other assets. Should the insurer go bankrupt, these assets are set aside as a priority to pay the policyholders and/or their beneficiaries contributing to the fund.

On the basis of these different risks, you may not recover all of the capital you invest.

Uppie Moon

The guarantee fund will protect this life insurance policy, based on the protection mechanism that applies to branch 21. This mechanism is activated if AG should default, and it currently stands at a maximum of €100,000 per policyholder and per insurance company. For larger amounts, you accept the risk that you may lose some or all of the remaining amount.

Uppie Moon offers a guaranteed interest rate and a potential profit-sharing bonus. If this bonus is low or zero, the capital paid may be lower than the total amount invested, due to taxes, fees and interest rates.

Documents

Would you like more information? Then please take a look at the following documents. Please note that you must read them before signing your contract.

Uppie Star Fly

Uppie Star Run

Uppie Star Go

Uppie Moon

These life insurance policies are developed by AG, a Belgian insurance company, and are subject to Belgian law.

Need help?

If you have any questions about Uppie, please contact AG’s Uppie team:

uppie@ag.be

Telephone number

FR +32 (0)2 664 95 85
NL +32 (0)2 664 94 85

Available from Monday to Friday from 9-12h and from 14h-17h

Any complaints about Uppie can be sent to AG’s Complaints Department (customercomplaints@ag.be - 02 664 02 00, Boulevard E. Jacqmain 53, B-1000 Bruxelles)

If you are not happy with the solution put forward by AG, you can submit your complaint to the Insurance Ombudsman (info@ombudsman.as, square de Meeus 35, B-1000 Bruxelles, www.ombudsman.as).

This English translation is provided exclusively for the convenience of English speaking Policyholders. In the event of any difference arising as to the meaning or interpretation of any part of these information, the original French or Dutch wording will alone be considered as valid.