Investment Plan - Capitalisation and Income

MeDirect has created a Model Portfolio to let you invest efficiently and easily.
The capitalisation portfolio contains only capitalisation funds. The returns are reinvested automatically with the aim to grow your capital.
The income portfolio contains mainly distribution funds. The dividend payments will be paid out on a regular basis.
Invest in a diversified portfolio with top funds in one step.
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This investment style is designed for those who want their savings to experience modest growth in strong markets. When market conditions weaken, however, they may experience moderate losses.
*The graph shows the historical evolution of the value of the investment plan. It is calculated on the basis of the historic net asset value ("NAV") of the funds making up the investment plan, on the basis of a starting amount of € 10,000. The results of the past do not guarantee the future. NAV Information Source: Morningstar
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Portfolio composition
Equities
43%
Bonds
47%
Cash
9%
Other
1%
Data is as at 28/03/2020
These funds have no maturity date.
You may view the latest net asset value of each fund on www.beama.be.
You can start investing in an investment plan starting from 2.500EUR
It is possible that these funds apply swing pricing. Please consult the prospectus’ for more information.
Name & Category
Amundi Funds - Cash EUR A2 EUR (C)
Sub-fund of Amundi Funds (SICAV domiciled in Luxembourg)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
0.30%
of which 0.10% is paid to MeDirect
Last NAV
€ 99.24
Investment Objective
The objective of the Sub-Fund is to seek a return close to the reference indicator Euribor 3-month, by investing at least 67% of its total assets in money market instruments. The Sub-Fund must maintain an average portfolio maturity not exceeding 90 days. The Sub-Fund may invest in financial derivative instruments for hedging purposes. For more information, please refer to the Sub-Fund's prospectus.
Morningstar Rating
N/A
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Counterparty risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
Invesco Funds - Invesco Pan European Structured Equity Fund A Accumulation EUR
Sub-fund of Invesco Funds SICAV (SICAV domiciled in Luxembourg)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.57%
of which 0.65% is paid to MeDirect
Last NAV
€ 14.79
Investment Objective
The Fund intends to invest primarily in shares of European companies. The Fund is managed using “quantitative methods”. We define “quantitative methods” as mathematical, logical and statistical techniques used for stock selection purposes. The Fund is actively managed within its objectives and is not constrained by a benchmark. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Derivatives risk
Currency risk
Event risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
PIMCO GIS Global Investment Grade Credit Fund E Class EUR (Hedged) Accumulation
Sub-fund of PIMCO Funds: Global Investors Series PLC (Open Ended Investment Company domiciled in Ireland)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.39%
of which 0.63% is paid to MeDirect
Last NAV
€ 16.22
Investment Objective
The Fund aims to maximize the total return on your investments by investing at least two-thirds of its assets in a diversified portfolio of investment grade corporate fixed income instruments and securities in euro, issued by companies and using prudent investment management principles. The fund may invest up to 15% in securities of lesser quality. These securities are considered to be more risky, but typically produce a higher level of income. The fund may invest in derivative instruments rather than directly in the underlying securities themselves. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
Liquidity risk
Counterparty risk
Derivatives risk
Currency risk
Emerging market risk
Interest Rate Risk
Risk of the Specific Underlying Assets

You will find all other risks associated with this fund in the prospectus.
Name & Category
BlackRock Global Funds - Euro Bond Fund A2
Sub-fund of BlackRock Global Funds (SICAV domiciled in Luxembourg)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
0.97%
of which 0.30% is paid to MeDirect
Last NAV
€ 29.56
Investment Objective
The Fund invests at least 80% of its total assets in fixed income securities. These include bonds and money market instruments (i.e. debt securities with short term maturities). At least 70% of the Fund’s total assets will be invested in securities that are denominated in euro. The fixed income securities may be issued by governments and, government agencies of, and companies and supranationals domiciled in, countries inside or outside of the Eurozone. At least 80% of the Fund’s total assets will be investment grade at the time of purchase. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
Liquidity risk
Counterparty risk
Derivatives risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
BlackRock Global Funds - European Value Fund A2 EUR
Sub-fund of BlackRock Global Funds (SICAV domiciled in Luxembourg)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.82%
of which 0.60% is paid to MeDirect
Last NAV
€ 49.76
Investment Objective
The Fund invests at least 70% of its total assets in the equity securities of companies domiciled in, or the main business of which is in, Europe. The investment adviser has discretion to select the Fund's investments and in doing so may take into consideration the MSCI Europe Value Index. The Fund places particular emphasis on equity securities of companies that are undervalued. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Counterparty risk
Concentration risk
Event risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
M&G (Lux) Investment Funds 1 - M&G (Lux) Global Macro Bond Fund A EUR Acc
Sub-fund of M&G (LUX) Investment Funds 1 (SICAV domiciled in Luxembourg)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.48%
of which 0.50% is paid to MeDirect
Last NAV
€ 14.81
Investment Objective
The fund aims to provide a combination of capital growth and income to deliver a return that is higher than that of the global bond market over any five-year period. At least 80% of the fund is invested in bonds issued by governments and companies located in any country. The investment manager selects investments based on an assessment of macroeconomic factors. The fund may use derivatives to gain exposure to investments exceeding the value of the fund (derived products). For more information please refer to the prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
Liquidity risk
Counterparty risk
Derivatives risk
Currency risk
Emerging market risk
Chinese investment risk
Interest Rate Risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
PIMCO GIS Global Real Return Fund E Class EUR (Hedged) Accumulation
Sub-fund of PIMCO Funds: Global Investors Series PLC (Open Ended Investment Company domiciled in Ireland)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.39%
of which 0.63% is paid to MeDirect
Last NAV
€ 17.14
Investment Objective
The Fund aims to maximize the "real return" on your investments. The Fund invest primarily in inflation-linked fixed income securities and instruments issued by governments , their agencies or companies worldwide. The Fund invest primarily in "investment grade" securities but may also invest up to 10% in "non-investment grade" securities, which are considered more risky. The assets held by the Fund may be dominated in a wide variety of currencies with non-USD currency exposure limited to 20% of total assets. The fund may invest in derivative instruments. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
Liquidity risk
Counterparty risk
Derivatives risk
Currency risk
Emerging market risk
Interest Rate Risk
Risk of the Specific Underlying Assets

You will find all other risks associated with this fund in the prospectus.
Name & Category
Robeco BP US Premium Equities D €
Sub-fund of Robeco Capital Growth Funds (SICAV domiciled in Luxembourg)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.71%
of which 0.75% is paid to MeDirect
Last NAV
€ 321.67
Investment Objective
The Fund invests across market capitalizations and sectors in a flexible manner. The selection of these stocks is based on fundamental analysis. The selection is portfolio is consistently built from the bottom up to exhibit attractive valuation, strong business fundamentals and improving business momentum. Investments are predominantly made in securities denominated in US dollars. The fund is denominated in euros. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Volatility risk
Concentration risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
Comgest Growth Emerging Markets EUR R Acc
Sub-fund of Comgest Growth PLC (Open Ended Investment Company domiciled in Ireland)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
2.04%
of which 1.00% is paid to MeDirect
Last NAV
€ 27.00
Investment Objective
The objective of this actively managed Fund is to invest in a portfolio of high-quality, long-term growth companies. The Fund will invest at least two-thirds of its assets in securities issued by companies quoted or traded on regulated markets and that have their headquarters in, or principally carry out their activities in Emerging Markets or in securities issued by governments of Emerging Market countries. The Fund may primarily invest in shares and in other securities related to shares, where it is deemed in the best interest of investors, The Fund may use derivative instruments. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Liquidity risk
Counterparty risk
Currency risk
Emerging market risk
Chinese investment risk

You will find all other risks associated with this fund in the prospectus.
Name & Category
Man GLG Japan CoreAlpha Equity Class D EUR
Sub-fund of Man Funds plc (Open Ended Investment Company domiciled in Ireland)
Risk and reward profile
1
2
3
4
5
6
7
Lower Risk
Possible Lower
Returns
Higher Risk
Possible higher
Returns
Ongoing charge
1.83%
of which 0.75% is paid to MeDirect
Last NAV
€ 81.73
Investment Objective
The Fund invests primarily in listed or traded shares (and related instruments) of issuers in Japan, or which derive a substantial part of their revenue from Japan. It may also invest in other asset classes, including debt securities, currencies, deposits and other funds and in other regions. A thorough investment screening process may mean the Fund owns a relatively limited number of investments. The Fund may use financial derivative instruments. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Risk Profile
Significant risks that are not adequately reflected in the profile:

Liquidity risk
Derivatives risk
Volatility risk
Concentration risk

You will find all other risks associated with this fund in the prospectus.
Fees
One-off entry feesTax on entryCustody fees (annual)Tax on returnsOne-off exit feesTax on exit
NoneNoneNoneCapital gain tax applicable to the sale of mutual funds which consist of more than 10% of fixed-income products: a tax of 30% is charged on the realized added value of the fixed-income part of the fund. The capital gain is defined as interest income plus any capital gains recorded minus any capital losses recorded.None1.32% (max. €4000 per fund)
Fund is the popular name for UCI (Undertaking for Collective Investment). A UCI is an undertaking that brings together several investors and invests their deposited money in various investment options, such as stocks, bonds, cash, etc., in order to spread the risk.
Before you proceed with investing in these funds, you must read and evaluate the KIID and prospectus. The KIID sets out the objectives, investment policy, risks and benefits, and costs and past performance of the fund.
We invite you to read all fund information. You will find the button to continue at the bottom of this page.
Pros
  • Diversification over different funds with a balanced risk profile
  • Selection of distribution funds that pay out dividend on a regular basis
  • Same terms as buying funds yourself: no entry or exit fees
Cons
  • A balanced profile does not mean that losses cannot occur
  • No monitoring of your portfolio by MeDirect
  • You will pay 30% withholding tax on the pay-out of dividends and capital gains tax upon the sale of funds that invest more than 10% in bonds. This deduction is done automatically, meaning that you don't have to indicate this in your tax papers.
Should you have any complaints, you may contact Compliance Officer MeDirect, Keizerinlaan 66 Boulevard de l’Impératrice, B-1000 Brussels or via complaints@medirect.be or Ombudsfin, Ombudsman for financial disputes, North Gate II, Koning Albert II – laan 8 bus 2, 1000 Brussel or via ombudsman@ombudsfin.be
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