There are no additional costs for the Model Portfolios. There are no entry or exit fees. When selling a fund, you have to take into account the exit tax, or, if applicable, capital gains tax on funds that invest for more than 10% in bonds. This deduction is final, which means that you do not have to declare it on your tax form.

Your monthly contribution will be broken down over the different funds, based on your first initial purchase of the model portfolio, i.e. based on the original composition model portfolio. If you made any changes to this model portfolio, you need to take this into account.

You cannot change the frequency of monthly contributions, as this is automatically set to once a month. If you want to change or stop your monthly contribution, you can do this in the model portfolio via ‘Monthly contribution’. If you want to stop your monthly contributions, you can set the amount to 0. If we received your instruction to change or discontinue the monthly contribution before the 10th (for new clients) or the 14th (for existing clients) of the month, the change will be processed in the same month. If we receive your instruction to change or discontinue the monthly contribution after the aforementioned dates, the first monthly contribution will be processed in the subsequent month.

First and foremost, the Model Portfolios have been designed so that you, as an investor, don’t have to invest too much time in managing the portfolio. You already have a ready-made, diversified portfolio of funds. So you do not have to look for funds yourself to compose your portfolio. Within the portfolio, each fund is also actively managed by professional fund managers. But if you wish, you can of course buy and sell funds within your Model Portfolio. Below the steps to buy, sell and manage the monthly contribution.   1) How to sell a fund 2) How to buy a fund   1. How to sell a fund ? Instruct your sell trade by going to the ‘Overview’ tab in the top navigation menu ‘My investments’. Click on ‘Investment details’ and select the respective portfolio from the field above the ‘Account type’. Please take note of the reference number – located in the dropdown menu – that is displayed here, you will need it for future steps in the process. Underneath ‘Assets’ you unfold the details (if not already done so) by clicking on the plus sign. The funds will be displayed. Click on the ‘Transact’ button next to the fund name you wish to sell. The fund report will be opened, scroll down till you see the ‘Buy/Sell’ button as visible on the below print screen. On the opened screen you click on ‘Sell’ followed by ‘Sell all’. On the right hand side you verify that the correct portfolio is selected in the ‘Settlement details’. Then you select the EUR Cash account in the second field. You are now ready to ‘Estimate’ your order and see the applicable taxes (stock exchange tax and possible capital gain tax). If you agree with the estimated values, you can now confirm your order by clicking on ‘Place Order’, per below print screen. It might take up to approximately 7 days before the sale proceeds are available on the selected Cash account. In the meantime, you can find your trade in ‘Pending Trades’. You can either wait for the sale proceeds or decide to immediately transfer the cash you wish to invest to the same Cash account by using the ‘Move money’ tab in the top navigation menu ‘My transactions’ and then continue with the below step(s). 2. How to buy a fund ?  When the appropriate Cash account has sufficient money*, instruct your buy trade by going to the ‘Place an order’ tab in the top navigation menu ‘My investments’. Select ‘Mutual Funds’ in the field ‘Search for’, then insert the corresponding ISIN code of the fund you wish to buy. Click on the name that is suggested by the system or on the spyglass on the right. The fund report will be opened, scroll down till you see the ‘Buy/Sell’ button as visible on the below print screen. On the opened screen you click on ‘Invest’ and enter the amount you wish to invest. On the right hand side you

No, you can always change your Model Portfolio later if you wish. You can sell a fund, several funds, or a part of a fund in the portfolio.

You can start investing in a Model Portfolio from 2.500 EUR.

You’re not yet a customer? First, become a client by clicking here. When your MeDirect Cash Account has been opened, you can click the portfolio of your choice in the ‘Model portfolios’ menu via the secure site and enter the amount you want to invest in ‘Invest in this portfolio’. All funds in this portfolio will be purchased together for you and kept in this model portfolio.

The funds for the Capitalisation and Regular Income model portfolio are selected based on their ratings in co-operation with Morningstar. Not only past performances are important, but also the analyst reports for the future. Based on 5 pillars (management team, fund house, investment process, yields and costs), the Morningstar analysts make an estimate which indicates whether or not the fund has the potential to perform better than similar funds.

You can invest an extra amount in your portfolio every month. The minimum amount is 100 EUR per month. The only possible frequency is once per month.