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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*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
56%
Cash
-1%
Other
2%
Data is as at 01/08/2020
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 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
€ 111.36
Investment Objective
The Funds invests primarily in a diversified portfolio of global investment grade corporate bonds, but has also the flexibility to invest in other fixed income asset classes such as high yield securities. All currency risks are hedged. 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
Derivatives risk
Risk of the Specific Underlying Assets

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
Name & Category
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
1.70%
of which 0.75% is paid to MeDirect
Last NAV
€ 8.28
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 European stockmarket over any five-year period. At least 80% of the fund is invested in a value-style portfolio of shares of European companies and the return is benchmarked against the MSCI Europe Net Return Index.  For more information, please refer to the 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
Currency risk
Volatility risk

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
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
€ 14.31
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. 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
Currency risk
Event risk

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
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
€ 20.91
Investment Objective
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. 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.
Management strategy (vs benchmark)
Active
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
1.34%
of which 0.55% is paid to MeDirect
Last NAV
€ 105.52
Investment Objective
The fund's goal is to achieve income and growth of the fund's value by investing bonds that are highly rated at the time of purchase. The fund may invest up to 20% in bonds that are not represented in the FTSE World Government Bond Index but are still highly rated at the time of purchase. The und may invest in derivatives. 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
Operational risk
Concentration risk
Interest Rate Risk

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
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
€ 91.00
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. 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
Emerging market risk
Operational risk
Chinese investment risk
Shariah-compliant bond risk

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
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
€ 8.60
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. 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

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
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
1.46%
of which 0.63% is paid to MeDirect
Last NAV
€ 118.44
Investment Objective
Robeco BP US Large Cap Equities invests in largecap stocks in the US. The fund is primarily composed of stocks with a market capitalization of more than USD 2 billion. Its bottom-up stockselection process seeks to find undervalued stocks and is guided by a disciplined value approach, intensive internal research and risk aversion. 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.
Management strategy (vs benchmark)
Active
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
€ 91.89
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. 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:

Emerging market risk
Chinese investment risk

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
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
€ 67.76
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. For more information, please refer to the Fund's prospectus.
Morningstar Rating
N/A
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.
Management strategy (vs benchmark)
Active
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
€ 22.53
Investment Objective
The Fund invests worldwide in corporate bonds with a sub-investment grade rating, meaning they don't have to meet an established level of solvency, issued primarily by issuers from developed markets (Europe/US). The portfolio is broadly diversified, with a structural bias to the higher rated part in high yield bonds. All currency risks are hedged. 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
Counterparty risk
Derivatives risk
Risk of the Specific Underlying Assets

You will find all other risks associated with this fund in the prospectus.
Management strategy (vs benchmark)
Active
Fees
One-off entry feesTax on entryCustody fees (annual)Tax on returnsOne-off exit feesTax on exit
NoneNoneNoneNoneNoneNone
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
  • 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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