Fund Savings Plan

At any moment and particularly in a crisis period, to constitute a saving is not always easy to achieve. However it is very comfortable to constitute a capital in case you need it. Many studies showed that in the long run, to invest regularly and in a periodic way, will generate a higher return on your savings.

A Fund Savings Plan is a capital spending program which enables you to invest, without expenses, in a periodic way and with a fixed amount among a portfolio of 20 investments funds carefully selected by Keytrade Bank. In this manner, you will profit from an optimal diversification of your investments starting from 25€ per payment!

You have the choice among monetary funds, bond funds or equity funds. You can choose your Fund Savings Plan by indicating the percentage you want to invest in the different funds of your choice (the total amount my not exceed 100%), or you choose one of the pre-established portfolios: Cautious, Neutral, Audacious, Offensive. These portfolio-types are composed in order to reflect the risk the investor is laid out to take with his investment (the risk being determined as the fraction - calculated with a small margin of error - that the investor is willing to loose after a period of one year), going from Cautious (low risk) to Offensive (high risk).

There are no fees or costs, neither entrance fees nor fees/expenses related to the periodic payments, nor custody charges, nor expenses at the closing of your Fund Savings Plan after 5 years if you choose to do so after 5 years.

What are the advantages of a Fund Savings Plan?

  • Flexibility

    You can choose the composition, the periodicity (monthly, quarterly, semi-annual or annual) and the amount of your saving (minimum amount of 25€). You are permanently entitled to end definitively or temporarily your Fund Savings Plan. There is no fixed duration.
  • Choice of the 20 funds

    These 20 funds are carefully chosen by Keytrade Bank on the basis of objective criteria such as the performance, the risk, the diversification and the quality of the Fund Manager:

    • Carmignac Gestion Carmignac Investment
    • Carmignac Gestion Carmignac Emergents
    • Carmignac Gestion Carmignac Commodities
    • Carmignac Gestion Carmignac Patrimoine
    • BlackRock GF New Energy Fund A2
    • Fidelity European Dynamic Growth fund
    • Fidelity America Fund
    • Fidelity World Fund
    • Threadneedle European High yield Bond fund
    • Threadneedle Global bond fund
    		       
    • Gartmore Japanese Fund
    • Gartmore US Opportunities Fund A
    • Franklin Templeton Euroland bond fund
    • Amundi Luxembourg Amundi Funds Euro High Yield Bond
    • Invesco Absolute Return Bond Fund
    • JP Morgan JPMF Europe Strategic Growth
    • Robeco CGF Chinese Equities
    • Robeco CGF Emerging Markets Equities
    • SGAM Fund Money Market-Euro
    • Robeco Lux-O-Rente
  • Possibility to choose a preset Fund Savings Plan

    If you prefer, you can also start with a preset Fund Savings Plan: Cautious, Neutral, Audacious, Offensive.
  • Transparent and free

    To create this Fund Savings Plan, you do not pay any fee or cost, neither fees/expenses related to the periodic payments. There are no expenses at the closing of your Fund Savings Plan if you choose to do so after 5 years. If you transfer your funds from your Fund Savings Plan to your Keytrade Bank Trading Account, you will have to pay the applicable fee for the purchase of a fund per transferred line (this fee is 9.95€).
  • Diversification starting from only 25€ on

    The minimum amount of your periodic payments must be minimum 25€. There is no maximum payment.
  • Simulation

    You can carry out a simulation and analyse the statistics of your Fund Savings Plan. These statistics are based on historical data. You can also carry out indicative projections on the output for 6 months, 1 year, 3 years, 5 years and 10 years.

    Any decision in relation to the FSP will be made on your own initiative and can in no case be interpreted as an investment advice or recommandation.

Practically, how does it work?

  • Step 1: To compose your Fund Savings Plan, you indicate the percentage you want to invest in the funds of your choice; the total may not exceed 100%.

    If you do not want to constitute your portfolio yourself, you can choose one of the 4 portfolio types:

    • Cautious
    • Neutral
    • Audacious
    • Offensive
  • Step 2: You indicate an initial amount to invest (optional), the amount to be invested at each period and the periodicity (monthly, quarterly, semi-annual or annual).
  • Step 3: You have the possibility to make a “back test” and a projection. Indeed, based on the historical data, you can consult the last real performances of the Fund Savings Plan as well as projections of the future performances. These projections are only an indication and do not constitute in any case a guarantee of future performances.
  • Step 4: You select the account to be debited and choose a name for your Fund Savings Plan.

Interested?

Open your Keytrade account now and determine yourself the parameters of your Fund Savings Plan. Choose your funds, the amount and the periodicity of your investments.
For any other question, do not hesitate to take a look at our FAQ or contact our commercial team by e-mail info@keytradebank.com or by phone: +32 (2) 679 90 00.