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How does Keyplan work?

How have the 40 suggested funds been selected?

At the time of the constitution of your KEYPLAN, you have the choice among 40 investment funds carefully chosen by Keytrade Bank according to the following criteria: the performance, the risk, the diversification and the quality of the Fund Manager.

What is the advantage of a KEYPLAN compared to a traditional saving?

Many studies showed that in the long run, to invest in funds in a regular and periodic way, will generate a higher return than traditional savings. The KEYPLAN is also based on a selection of funds of a good quality coming from several different providers. A KEYPLAN is a unique instrument to save in funds, providing an optimal diversification with very small capital requirements. Each decision concerning the KEYPLAN will be taken by you and will never be considered as a result of an investment advice or recommendation.

What will happen with the money on my KEYPLAN account?

If there is money on your KEYPLAN account (after a payment of a dividend) automatically it will be invested during the next update in your KEYPLAN.

At which NAV will I invest in my KEYPLAN?

A KEYPLAN is composed of several individual funds. Each fund has its own rules of subscription. The purchase via a KEYPLAN will be done according to the rules of each fund. This means that several days can pass between the purchase of the first and last fund. If you want to know more about the rules relating to our funds, please consult FAQs on funds.

Is there a minimum or maximum number of funds in which I need to invest to compose my KEYPLAN?

No, there is not a minimum or maximum number of funds in which you necessary need to invest.

When will the transfers be executed?

The initial transfer has as memo date the first day of the month. The periodic transfers will be executed from the first to the fifth day of the month.

How are the pre-established portfolio-types composed ?

You can choose your KEYPLAN by indicating the percentage you want to invest in the different funds* of your choice (the total amount may not exceed 100%), or you choose one of the pre-established portfolios: Cautious, Balanced, Audacious. These portfolio-types are composed in order to reflect the risk the investor finds acceptable (the risk being determined as the fraction ? calculated with a small margin of error ?that the investor is willing to lose after a period of one year), going from Cautious (low risk) to Audacious? (high risk). * Fund means "Undertaking for collective Investment". Undertaking for collective Investment is a general term used for different undertakings collecting money from the public and whose activity consists in managing an investment portfolio. The fund notion contains as well collective investment schemes in the form of an investment company (such as the Sicav or Sicafi) as the contractual funds (such as the Mutual Fund).

This article does not contain any investment advice or recommendation, nor a financial analysis. Nothing in this article may be construed as information with a contractual value of any sort whatsoever. This article is intended for information only and does not constitute in any way a commercialization of financial products. Keytrade Bank cannot be held liable for any decision made based on the information contained in this article, nor for its use by third parties. Every investment entails risks such as a possible loss of capital. Before investing in financial instruments, please inform yourself properly and read carefully the document "Overview of the principal characteristics and risks of financial instruments" that you can find in the Document centre

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