Model Portfolio Income

With our Model Portfolio 'Income' you invests in a diversified portfolio of top funds aiming to generate extra income from your savings. Together with the financial experts of Morningstar, we made a selection of well-performing distribution funds with a balanced risk profile.

Characteristics

Aimed at an attractive and regular income

The funds in this diversified portfolio pay out dividend on a regular basis. In 2017, this portfolio achieved a total return of 5,18% gross, of which 3,05% gross dividends. At the bottom of this page, you will find an overview of the historical performances over three and five years. Attention: past results are, of course, no guarantee for future performances.

Distribution funds with a balanced risk profile

Together with Morningstar, one of the world's largest independent financial research centres, we made a selection of well-performing distribution funds with a balanced risk profile. That way, you can enjoy a regular income while the risk remains under control. In the selection of the funds, Morningstar checks that next to the dividend return there is still enough potential for capital growth.

Start from € 2.500 and without any entry or exit fees

Just like with most individual funds, you do not pay any entry or exit fees, nor transaction costs.

Composed in collaboration with Morningstar

MeDirecct Bank works closely together with Morningstar, a renowned and independent financial research company, to select the best funds for our portfolios and to determine a healthy asset allocation.

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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 27% withholding tax on the pay-out of dividends and capital gains tax upon the sale of funds that invest more than 25% in bonds. This deduction is done automatically, meaning that you don't have to indicate this in your tax papers.

Overview of Past Performances

Overview of past performances over one, three and five years

In 2017 the Model Portfolio 'Income' achieved a total return of -7,87% gross, of which 3,47% gross dividends. (excluding witholding tax and if applicable capital gains tax upon sales).

1 year
3 years
5 years
Start date
1-Jan-18
1-Jan-16
1-Jan-14
End date
31-Dec-18
31-Dec-18
31-Dec-18
Return
-7,87%
+0,31%
+3,29%

In the table above you also find, in addition to the returns over 5 year, the annualised return over 3 year and 1 year. The performances shown are a simulation on the basis of historical NAVs of the current funds in the portfolio. The performances are used for illustrative purposes only, and past performances are obviously not indicative of future performances.

Additional information MeDirect Model Portfolios

  • Through these Model Portfolios, MeDirect offers you a tool to invest in a diversified basket of funds in one easy step.

  • Entry through a Model Portfolio carries the same terms when buying the funds one by one, and without any entry or exit fees.

  • Each of our Model Portfolios has its own specific characteristics (risk profile, capitalisation or distribution). You can control which portfolio(s) you choose, and manage it online yourself or adjust it after you stepped in.

  • A Model Portfolio is an Execution-only product for which we do not give personalised advice.

  • Choose our online wealth management if you prefer personalised advice about your investment profile and having your portfolio monitored by our experts.

  • The Model Portfolios are composed of funds. 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..

  • We recommend that you always read the KIID, prospectus and annual report of funds included in the portfolios ; when you do a simulation for a specific portfolio, you will find them easily by clicking on the name of the fund.

  • With a Model Portfolio you aim for a potentially higher long-term return (in our opinion at least 5-10 years). There are, of course, risks attached to investing, and loss of investment can occur. A Model Portfolio offers no guarantee for capital.

  • Should you have any questions, please check the heading Model Portfolios in our section FAQs or contact our Client Service Center by phone 02 518 0000 or via info@medirect.be. They will be happy to help you.