Investment Plan - MeGlobal

An investment portfolio with a focus on diversification, both geographically and based on asset class, one of the basic principles of good management. Developed by MeDirect with the support of Morningstar, one the world’s largest independent financial research firms. This portfolio offers a choice between two investment goals: ‘Capitalisation’, if you want to reinvest potential returns in order to grow your capital, versus ‘Income’, if you prefer regular payout of your earnings.
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Portfolio composition
Equities
43%
Bonds
56%
Cash
-1%
Other
2%
Data is as at 01/10/2020
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
Name & Category
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
1.83%
of which 0.60% is paid to MeDirect
Last NAV
€ 13.67
Investment Objective
The Fund aims to generate an above average level of income on your investment as well as maintain long term capital growth. The Fund invests at least 70% of its total assets in the equity securities (e.g. shares) of companies domiciled in, or the main business of which is in, Europe. The term Europe refers to all European countries including the United Kingdom, Eastern Europe and the former Soviet Union countries. The Fund distributes income gross of expenses. The investment adviser has discretion to select the Fund's investments and in doing so may take into consideration the MSCI Europe Index. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Currency risk
The fund can be adversely affected by exchange rate fluctuations.
Event risk
This fund may be negatively affected by unforeseeable events such as devaluations or political events.

You will find all other risks associated with this fund in the prospectus.
Name & Category
Sub-fund of Legg Mason Global 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
1.94%
of which 0.75% is paid to MeDirect
Last NAV
€ 10.64
Investment Objective
The fund's goal is to achieve long-term stable growth of the fund's value, comprised of regular and consistent income and capital growth, through investment in shares of global infrastructure companies. The fund invests at least 80% of its assets in shares of infrastructure companies from around the world, including companies from developed and emerging market countries. The fund invests in a number of infrastructure sectors such as gas, electricity and water utilities, toll roads, airports, rail and communications. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
N/A
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Currency risk
The fund can be adversely affected by exchange rate fluctuations.
Emerging market risk
The fund will be more volatile because these markets are typically smaller, less liquid and more sensitive to economic and political factors.
Operational risk
This risk relates to failures in systems and processes.
Concentration risk
The fund has a higher risk when investing in one country.
Chinese investment risk
Due to special regulation in China, this fund may experience difficulties or delays in enforcing the rights.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
1.01%
of which 0.40% is paid to MeDirect
Last NAV
€ 110.56
Investment Objective
The fund invests primarily in a diversified portfolio of global investment grade corporate bonds. This fund has the flexibility to invest in other fixed income asset classes such as high yield, Emerging Credits and Asset Backed Securities. All currency risks are hedged. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Risk of the Specific Underlying Assets
The fund may suffer losses from the performance of the underlying assets like equities, bonds or mortgages, and can be very volatile.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
1.21%
of which 0.50% is paid to MeDirect
Last NAV
€ 97.99
Investment Objective
The fund invests in low-volatile stocks in European economies. The fund's long-term aim is to achieve returns comparable to those on European market stocks, but at a distinctly lower level of downside risk. The selection of these low-volatile stocks is carried out using a quantitative model, which ranks stocks in a variety of ways, including market sensitivity, volatility, valuation and momentum. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Event risk
This fund may be negatively affected by unforeseeable events such as devaluations or political events.

You will find all other risks associated with this fund in the prospectus.
Name & Category
Sub-fund of AXA World 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
1.52%
of which 0.63% is paid to MeDirect
Last NAV
€ 26.08
Investment Objective
The Sub-Fund investment objective is firstly to seek high income and secondary capital growth by investing in a broadly international high yield corporate debt securities over a long term period. The Sub-Fund is managed in order to capture opportunities in international high yield corporate debt market, primarily investing in securities that are part of the ICE BofAML Global High Yield Hedged USD benchmark index (the “Benchmark”) universe. The Sub-Fund invests mainly in high yield fixed or floating rate bonds issued mainly by US and European private companies. Such high return bonds have a rating lower than BBB- according to Standard & Poor's, or equivalent rating (Moody's or any other rating agency), or are not rated. The Sub-Fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
The fund can invest in bonds and/or shares. The issuers of these bonds and/or shares may become insolvent, thus the value of the bonds and/or shares may be lost in full or in part.
Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Operational risk
This risk relates to failures in systems and processes.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
0.98%
of which 0.30% is paid to MeDirect
Last NAV
€ 21.12
Investment Objective
The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund’s assets. The Fund invests at least 80% of its total assets in fixed income securities. These include bonds and money market instruments 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. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
The fund can invest in bonds and/or shares. The issuers of these bonds and/or shares may become insolvent, thus the value of the bonds and/or shares may be lost in full or in part.
Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
€ 10.49
Investment Objective
The fund aims to maximise the total return on your investment through primarily investing in a diversified portfolio of global investment grade securities and instruments denominated in major world currencies, using prudent investment management principles. The fund aims to achieve its objective by taking exposure to a diversified range of fixed income securities and instruments (which are loans that pay a fixed or variable rate of interest) issued by companies or governments from around the world. The fund may invest substantially in emerging markets, which in investment terms are those economies that are not as developed. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
The fund can invest in bonds and/or shares. The issuers of these bonds and/or shares may become insolvent, thus the value of the bonds and/or shares may be lost in full or in part.
Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Currency risk
The fund can be adversely affected by exchange rate fluctuations.
Emerging market risk
The fund will be more volatile because these markets are typically smaller, less liquid and more sensitive to economic and political factors.
Interest Rate Risk
The value of the fund is likely to fall when interest rates rise.
Risk of the Specific Underlying Assets
The fund may suffer losses from the performance of the underlying assets like equities, bonds or mortgages, and can be very volatile.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
1.84%
of which 0.75% is paid to MeDirect
Last NAV
€ 69.35
Investment Objective
The Funds aims to achieve a long-term profit by investing mainly in stocks of Japanese companies. It may also invest in 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. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
N/A
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Volatility risk
The value of the fund may experience quite large daily upside or downside variations.
Concentration risk
The fund has a higher risk when investing in one country.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
2.06%
of which 0.70% is paid to MeDirect
Last NAV
€ 7.21
Investment Objective
The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund’s assets. The Fund invests globally at least 70% of its total assets in the equity securities (e.g. shares) of companies the main business of which is in, the exploration, development, production and distribution of energy. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Volatility risk
The value of the fund may experience quite large daily upside or downside variations.
Concentration risk
The fund has a higher risk when investing in one country.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
1.50%
of which 0.63% is paid to MeDirect
Last NAV
€ 90.51
Investment Objective
The Funds invests in low-volatility stocks (low mobility of the stock price) in emerging countries across the world and aims to achieve returns equal to, or greater than, those on emerging equity markets with lower expected downside risk. These stocks with lower expected volatility are selected based on a quantitative model which arranges the stocks in different manners . Exchange-rate fluctuations will therefore directly affect the fund's share price. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Emerging market risk
The fund will be more volatile because these markets are typically smaller, less liquid and more sensitive to economic and political factors.
Chinese investment risk
Due to special regulation in China, this fund may experience difficulties or delays in enforcing the rights.

You will find all other risks associated with this fund in the prospectus.
Name & Category
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
1.47%
of which 0.50% is paid to MeDirect
Last NAV
€ 8.35
Investment Objective
The Fund aims to maximise the return on your investment through a combination of capital growth and income on the Fund’s assets. The Fund invests at least 70% of its total assets in fixed income securities. These include bonds and money market instruments with short term maturities. The fixed income securities may be issued by governments and government agencies of, and companies and supranationals domiciled in, or the main business of which is in, emerging markets. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
The fund can invest in bonds and/or shares. The issuers of these bonds and/or shares may become insolvent, thus the value of the bonds and/or shares may be lost in full or in part.
Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Currency risk
The fund can be adversely affected by exchange rate fluctuations.
Emerging market risk
The fund will be more volatile because these markets are typically smaller, less liquid and more sensitive to economic and political factors.
Interest Rate Risk
The value of the fund is likely to fall when interest rates rise.

You will find all other risks associated with this fund in the prospectus.
Name & Category
Sub-fund of Pictet (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
1.54%
of which 0.60% is paid to MeDirect
Last NAV
€ 89.43
Investment Objective
The Compartment mainly invests in a broad range of corporate and government bonds that are issued in emerging markets (including Mainland China) and denominated in local currencies. These may include Sharia-compliant bonds. The Compartment can invest across any sector and credit quality. The Compartment may also invest in money market instruments and may use derivatives and structured products. The fund is actively managed. For more information, please refer to the Fund's prospectus.
Morningstar Rating
Legal Documents
Prospectus
KIID
Management strategy (vs benchmark)
Active
Risk Profile
Significant risks that are not adequately reflected in the profile:

Credit risk
The fund can invest in bonds and/or shares. The issuers of these bonds and/or shares may become insolvent, thus the value of the bonds and/or shares may be lost in full or in part.
Liquidity risk
The fund may invest in securities that are not easily tradable on a stock exchange or similar market.
Counterparty risk
If a fund counterparty becomes insolvent, it can no longer, or only partially, pay outstanding obligations.
Derivatives risk
The fund can enter into derivative transactions. The increased profit opportunities that arise, could also involve greater risks of loss.
Emerging market risk
The fund will be more volatile because these markets are typically smaller, less liquid and more sensitive to economic and political factors.
Operational risk
This risk relates to failures in systems and processes.
Chinese investment risk
Due to special regulation in China, this fund may experience difficulties or delays in enforcing the rights.
Shariah-compliant bond risk
This fund may suffer losses due to specific rules regarding Sukuk bonds.

You will find all other risks associated with this fund in the prospectus.
Fees
One-off entry feesTax on entryCustody fees (annual)Tax on capital gains and withholding taxOne-off exit feesTax on exit
NoneNoneNoneYou 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.NoneNone
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.
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
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
Choose This Plan