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Fund Information
Our investment products aim to give a return by spreading the investment across various assets. This is done in line with the investment strategy set out by KBC Asset Management (KBC AM).
Stay up to date with the performance of your funds by viewing the Investment Dashboards. The Investment Dashboard gives an interactive overview of the fund performance, market overview and a message from the KBC Fund Manager. It also includes documents such as the KIID, Prospectus and MiFID fees and charges overview.
KBC Investment Funds
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For Defensive investors with a balanced approach to investing. This adaptive fund has a target allocation of 30% shares and 70% bonds.
See the Investment Dashboard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus, MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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For Defensive investors with a more progressive approach to investing. This adaptive fund has a target allocation of 30% shares and 70% bonds though if the conditions are right, it may increase its stocks allocation at times.
See the Investment Dashbooard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus, MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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For Dynamic investors with a balanced approach to investing. This adaptive fund has a target allocation of 55% shares and 45% bonds.
See the Investment Dashboard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus, MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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For Dynamic investors with a more progressive approach to investing. This adaptive fund has a target allocation of 55% shares and 45 % bonds though, if conditions are right, it may increase its stocks allocation at times.
See the Investment Dashboard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus, MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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ExpertEase SRI Progressive Opportunity – for very Dynamic investors.
This adaptive fund has a target allocation of 75% shares and 25% bonds though, if conditions are right, it may increase its stocks allocation at times.
Although this fund is the default fund for Very Dynamic investors, the ExpertEase SRI Progressive Opportunity fund is a Dynamic fund, thereby Dynamic customers have the opportunity to invest in this fund, which can be done by either:- - talking to their Investment Advisor in their local Hub.
- - tailoring their investment option in their Mobile App before proceeding with an Investment.
See the Investment Dashboard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus, MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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For Dynamic investors in the Tap2Invest journey. This fund has a target allocation of 55% shares and 45% bonds.
See the Investment Dashboard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus, MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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For all investors in the Tap2Invest Extra journey. This fund has a target allocation of 55% shares and 45% bonds.
See the Investment Dashboard for more information. Here you can find the Net Asset Value (NAV) in the graph along with the KIID, Prospectus and MiFID fees and charges overview and latest annual and semi-annual reports in the ‘Documents’ section at the bottom of the page.
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If you have invested in KBC Asset Management’s Off-Shore Funds click here for more information on these funds. Please note, these Off-Shore Funds are not available to new Investment customers.
KBC Investment Strategies
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Feeling comfortable with your investments at all times is just as important as your return.
It’s therefore a matter of choosing an investment approach which isn’t aimed solely at generating the biggest return on your investments, you also have to feel comfortable about it. You need an investment approach that is aimed at removing your worries about your investments. That’s why at KBC, we go for investments that are within your comfort zone, i.e. Comfort Zone Investing (CoZI). By staying within your comfort zone, you will feel less compelled to take decisions you might regret later.
We determine your comfort zone based on three dimensions that you usually take into consideration when making investment decisions:
- Upside potential. All of us invest with a view to achieving the best possible return. Why should your investments not do the same?
- Downside risk. However, not every investor feels the same about losses. If you are confronted with losses during the term of your investment which fall outside your comfort zone, there is a risk that you will turn your back on the markets at the wrong moment, and possibly even not dare to invest again for a long time.
- Time horizon. The criteria we use is the time needed to give your investments a reasonable chance of delivering a positive return. In other words, giving your investments a reasonable chance to make good any losses you may suffer along the way.
In short, the comfort zone of investors will depend on their growth perspective, their view on their investment horizon and their sensitivity to intermediary losses or downside risk.
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Any loss feels personal to an investor; our new and innovative ExpertEase Investment funds take account of this. These adaptive funds automatically offer protection when necessary and make the most of any opportunities to generate return, keeping you in your comfort zone no matter what. This is done through the classic combination of shares and bonds, plus they:
- Provide protection by converting shares and bonds into risk-free cash when markets fall.
- Track market trends and makes additional share or bond investments when opportunities arise to generate return.
The Key components of the ExpertEase investment funds are the signals which inform the portfolio composition on a dynamic basis throughout the calendar year.
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It is really important to know what type of investor you are.
Investing wisely isn’t about getting the highest return at any cost, it’s about allowing your money to work as hard as possible without causing you sleepless nights. This is why starting with an accurate risk profile is always the most important part of investing.
KBC’s innovative risk profiling tool considers both the traditional risk/reward outcome (the rational preference) and the loss tolerance (behavioural preference) to provide a more enhanced view of the actions customers will take, not just when it comes to seeking returns but also when it comes to limiting losses.
The risk profiling tool combined with our new, adaptive, ExpertEase funds ensures you are most likely to be investing within your ComfortZone. By staying within your comfort zone, you will feel less compelled to take decisions you might regret later.
It's really important to know what type of investor you are.
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Very Defensive
The main thing Very Defensive investors want to avoid uncertainty when it comes to their wealth.
Investing may not really be their thing unless they can invest their money with little to no risk.
Generally speaking, Very Defensive investors will first seek capital security over growing the purchasing power of their money.
Very defensive investors should typically seek out deposit accounts as opposed to investments.
Check out our Saving Accounts
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Defensive
Defensive investors are able to put aside some of their wealth for the short-medium term and can live with some degree of volatility even though they would generally want to limit this as much as possible.
As they would still like to increase the value of their money, the greater potential offered by markets over deposit accounts is something that appeals to them.
Defensive investors look towards less volatile investments – typically these funds will contain about 70% bonds and 30% equities favouring stability whilst still allowing some potential for growth.
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Dynamic
Dynamic investors are aware that the markets can offer greater potential than savings accounts and therefore, are prepared to invest a portion of their wealth.
Typically, dynamic investors understand that they need to take on more risk to achieve a greater return and, as a result, the value of their investments can fluctuate, nevertheless, large fluctuations are something that they prefer to avoid if possible.
Dynamic investors look towards funds with a medium degree of volatility. Typically these funds will contain 45% bonds and 55% equities giving greater potential for growth but still offering stability in the medium to long term
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Very Dynamic
Very Dynamic investors are prepared to invest some of their wealth in a quest to seek the best returns that the markets can offer.
The fact that the value of their investments can vary in the short – medium term is something that they are well aware of. Generally speaking, very dynamic investors are the kind of people, who see opportunities when the market drops.
Dynamic investors consider funds with a higher level of volatility. Typically, these funds will contain 25% bonds and 75% equities clearly favouring strong growth potential but still retaining some degree of stability.
Risk Profiles and Investment Funds
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KBC Investment Funds - When a customer has completed a Risk Profile (Advisory customer), the outcome of that Profile is then mapped to a Fund which falls within the customer Risk Profile. For example:
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If a Risk Profile is Defensive Progressive, the recommended fund will be the SRI Progressive Defence Fund.
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If a Risk Profile is Dynamic Careful, the recommended fund will be the SRI Balanced Approach.
Please Note : If the customer does not want to proceed with the fund selected, when on the Mobile App the customer will have the option to select an alternative fund, but only within their overall Risk Profile e.g if the Profile is Defensive, the customer could only select another Defensive Fund. They could not select a Dynamic or Very Dynamic Fund, which is a fund in a Higher Risk Profile. (those options will not be available)
Customers with a Dynamic Risk Profile are recommended a fund based on the Risk Profile outcome. Dynamic Customers can tailor funds and invest in an SRI Progressive Opportunity Fund, which although has a Product Rating of 5, is a Dynamic Fund.
Dynamic and Very Dynamic customers can invest in all funds, including Defensive funds, by either tailoring funds on the Mobile App or by speaking with an Investment Advisor in the Hub.
To see more information about these Portfolios’ and also the type of Investors, please see Investment Funds - KBC .
Below outlines the various Product rating scores, which in summary will outline the following:
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A Very Defensive Profile will have a Product rating score of 1.
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A Defensive Profile will have a Product rating score of 2-3.
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A Dynamic Profile will have a Product rating score of 4-5.
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A Very Dynamic Profile will have a Product rating score of 6-7.
The Table below will outline the available funds to customers who fall within a certain Risk Profile along with the Product score associated to that Fund
Risk Profile and Product rating explained – KBC Investment Funds
Risk Profile
Category
Fund Type
Product Rating Score
Alternative suitable products
Very Defensive
None
Not Available
1
KBC does not provide Investment funds to customer with this profile and will recommend that they invest their money into a Savings or Deposit Account
Defensive
Careful
SRI Balanced Defence
3
SRI Progressive Defence
Defensive
Balanced
SRI Balanced Defence
3
SRI Progressive Defence
Defensive
Progressive
SRI Progressive Defence
3
SRI Balanced Defence
Defensive
Neutral
SRI Progressive Defence
3
SRI Balanced Defence
Dynamic
Careful
SRI Balanced Approach
4
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Dynamic
Balanced
SRI Balanced Approach
4
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Dynamic
Progressive
SRI Progressive Approach
4
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Dynamic
Neutral
Sivek SRI Global Medium
4
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Very Dynamic
Careful
SRI Progressive Opportunity
5
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Very Dynamic
Balanced
SRI Progressive Opportunity
5
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Very Dynamic
Progressive
SRI Progressive Opportunity
5
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B,
SRI Progressive Opportunity.
Very Dynamic
Neutral
SRI Progressive Opportunity
5
SRI Balanced Defence,
SRI Progressive Defence,
SRI Progressive Approach,
Sivek SRI Global Medium Class B.
Tap to Invest – is an non-advisory, execution only product. Customers are not required to complete a Risk Profile and only one Fund choice is available which is the Dynamic Sivek SRI Global Medium Fund, which has a Product Rating of 4. This Fund is not available to Advisory customers.
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KBC Bank Ireland plc is a distributor of funds managed by KBC Fund Management Ltd and KBC Asset Management NV.
KBC Bank Ireland plc and KBC Fund Management Ltd are regulated by the Central Bank of Ireland.
KBC Asset Management NV is authorised in Belgium and regulated by the Belgian Financial Services and Markets Authority (FSMA).