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Important Customer Notice

KBC Bank Ireland would like to draw your attention to some important information.
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On the 7th December 2021 KBC paused the acceptance of new applications for Investments including new applications from KBC customers. From the 12th January 2022 KBC have paused contributions to funds from existing investment customers you can find more information here.

Fund Information

Our Investment products aim to generate a return by spreading the investment across various assets according to 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 provides 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.

On 18th March, there will be a merger of KBC ExpertEase SRI Defensive Conservative 3,  KBC ExpertEase SRI Defensive Conservative 5 & KBC ExpertEase SRI Defensive Conservative 6 with KBC ExpertEase SRI Defensive Conservative 4, (also a sub fund of the Belgian open-ended investment company Horizon). The investment policy of these sub funds is exactly the same and therefore the composition of the portfolios is identical. The merger of the sub funds (which is subject to approval*) will result in a more efficient management environment and create cost savings that benefit all investors. At the same time as the merger, the name of the acquiring sub-fund, KBC ExpertEase SRI Defensive Conservative 4, will be changed to KBC ExpertEase SRI Defensive Conservative.

To facilitate the merger, the Net Asset Value (NAV price) of KBC ExpertEase SRI Defensive Conservative 3,  KBC ExpertEase SRI Defensive Conservative 5 & KBC ExpertEase SRI Defensive Conservative 6 will be suspended from 7th to 10th March 2022 and subject to approval, it will also be suspended from 10th to 17th March 2022.  All ‘Sell’ orders received during the suspension period will be rejected.  

The Net Asset Value (NAV price) of KBC ExpertEase SRI Defensive Conservative 4 will be suspended from 7th to 10th March 2022. All ‘Sell’ orders received during the suspension period will be executed at the Net Asset Value of 11th March 2022. This will result in a longer settlement period for these trades.

*It will be proposed at the Extraordinary General Meeting of 10 March 2022 to merge KBC ExpertEase SRI Defensive Conservative 3, KBC ExpertEase SRI Defensive Conservative 5 & KBC ExpertEase SRI Defensive Conservative 6 with KBC ExpertEase SRI Defensive Conservative 4, a sub-fund of the Belgian open-ended investment company Horizon.

If the merger is not approved by the Extraordinary General Meeting of one of the sub-funds:
- you will remain an investor in your existing sub fund;
- orders will be possible again as of 11 March 2022.

As per our Investment Funds Terms & Conditions (Clause 45.7.3), KBC will not notify you of annual general meetings or extraordinary general meetings of the shareholders of the Investment Funds, nor will we exercise any voting rights attached to your units unless you specifically request us to do so.

KBC Off-shore Investments

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Defensive Funds

Defensive   
SIVEK SRI Global Low Investment Dashboards
SIVEK Global Low Investment Dashboards
Horizon KBC ExpertEase SRI Defensive Conservative 4 Investment Dashboards
Horizon KBC ExpertEase SRI Defensive Conservative 5 Investment Dashboards
Horizon KBC ExpertEase SRI Defensive Conservative 3 Investment Dashboards
Horizon KBC ExpertEase SRI Defensive Conservative 6 Investment Dashboards

Dynamic Funds

Dynamic   
SIVEK SRI Global Medium Investment Dashboards
SIVEK Global Medium Investment Dashboards
Privileged Portfolio Pro 90 May Investment Dashboards
Privileged Portfolio Pro 90 Feb Investment Dashboards
Privileged Portfolio Pro 90 Aug Investment Dashboards
Privileged Portfolio Pro 90 Nov Investment Dashboards

Very Dynamic Funds

Very Dynamic   
SIVEK Global High Investment Dashboards
Privileged Portfolio Pro 85 May Investment Dashboards
Privileged Portfolio Pro 85 Feb Investment Dashboards
Privileged Portfolio Pro 85 Aug Investment Dashboards
Privileged Portfolio Pro 85 Nov Investment Dashboards

Flexible Portfolio

Flexible Portfolio  
Flexible Portfolio Investment Dashboards

Risk Profiles and Investments

  • Offshore Funds – Please Note: KBC ceased offering Offshore funds in March 2021 to new customers.  Existing Offshore Investment customers can continue to hold funds but cannot make any changes to existing funds, for example, if a Customer has a Regular Investment Plan, changes cannot be made to it such as increasing or decreasing amounts. If a customer would like to make changes to an Offshore Regular Investment Plan, the customer will need to

    1) cancel their current Offshore Regular Investment Plan

    2) complete a new Risk Profile

    3) invest in a KBC Investment Fund.

    Existing customers cannot make Offshore Lump Sum investments.  If a customer would like to invest a Lump Sum amount, similar to above, a new Risk Profile will need to be completed, which will then map to a New Investment Fund within the customers Risk Profile. Offshore Investment customers can redeem funds either on their Mobile App or by speaking to an Investment Advisor in a local Hub.  

     

    Risk Profiles - When an Offshore customer completed a Risk Profile, the customer automatically defaulted to a Sivek Global Low (Defensive Fund), Sivek Global Medium (Dynamic Fund) and Sivek Global High (Very Dynamic Fund).

    SRI Funds – all customers had the option to also invest in a Socially Responsible Investment Fund (SRI).  This fund was only available upon

    1) having a conversation with an Investment Advisor within the Hub or

    2) tailoring funds within the Mobile App.

    When tailoring a fund, a Defensive customer could only select another Defensive Fund, the customer could not select a Dynamic or Very Dynamic Fund.  Dynamic/Very Dynamic customers could tailor funds and select any fund (all Dynamic and Very Dynamic funds have the same product score of 4), including Defensive funds, which were in a lower Risk Profile. 

    Privileged Funds – were funds which try to prevent the value of the fund falling below a certain percentage of the amount invested, e.g. 95%/90%/85% of the fund invested.  To do this, investment managers switched from risky assets (shares/bonds) to less risky assets (shorter-term bonds and cash). The floor price protection technique helped limit the negative consequences of a sharp fall in the financial markets. These funds were not automatically available. Customers had to 1) speak with an Investment Advisor in a Hub or tailor the fund selection on the Mobile App, again only selecting funds within their Risk Profile. 

    E.g. Defensive Customers could only select funds within their Defensive Profile.  Dynamic/Very Dynamic customers could tailor funds and select any fund, including Defensive funds, which were in a lower Risk Profile. 

    To see more information about these Portfolios’ and also the type of Investors, please see Investment Funds - KBC.

    Below outlines the various the Product rating scores, which in summary will outline the following:

    • A Very Defensive Profile will have a Product rating score of 1.

    • A Defensive Profile will have a Product rating score of 2-3.

    • A Dynamic Profile will have a Product rating score of 4-5.

    • A Very Dynamic Profile will have a Product rating score of 6-7.

    The Table will also outline the available funds to Customers who fall within a certain Risk Profile along with the Product score associated to that Fund

    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

    Sivek Low

    3

    Sivek SRI Global Low,

    Privileged Portfolio Pro 95 May,

    Privileged Portfolio Pro 95 Feb,

    Privileged Portfolio Pro 95 Aug,

    Privileged Portfolio Pro 95 Nov.

    Defensive

    Balanced

    Sivek Low

    3

    Sivek SRI Global Low,

    Privileged Portfolio Pro 95 May,

    Privileged Portfolio Pro 95 Feb,

    Privileged Portfolio Pro 95 Aug,

    Privileged Portfolio Pro 95 Nov.

    Defensive

    Progressive

    Sivek Low

    3

    Sivek SRI Global Low,

    Privileged Portfolio Pro 95 May,

    Privileged Portfolio Pro 95 Feb,

    Privileged Portfolio Pro 95 Aug,

    Privileged Portfolio Pro 95 Nov.

    Defensive

    Neutral

    Sivek Low

    3

    Sivek SRI Global Low,

    Privileged Portfolio Pro 95 May,

    Privileged Portfolio Pro 95 Feb,

    Privileged Portfolio Pro 95 Aug,

    Privileged Portfolio Pro 95 Nov.

    Dynamic

    Careful

    Sivek Medium

    4

    Sivek SRI Global Medium,

    Privileged Portfolio Pro 90 May,

    Privileged Portfolio Pro 90 Feb,

    Privileged Portfolio Pro 90 Aug,

    Privileged Portfolio Pro 90 Nov.

    Dynamic

    Balanced

    Sivek Medium

    4

    Sivek SRI Global Medium

    Privileged Portfolio Pro 90 May,

    Privileged Portfolio Pro 90 Feb,

    Privileged Portfolio Pro 90 Aug,

    Privileged Portfolio Pro 90 Nov.

    Dynamic

    Progressive

    Sivek Medium

    4

    Sivek SRI Global Medium,

    Privileged Portfolio Pro 90 May,

    Privileged Portfolio Pro 90 Feb,

    Privileged Portfolio Pro 90 Aug,

    Privileged Portfolio Pro 90 Nov.

    Dynamic

    Neutral

    Sivek Medium

    4

    Sivek SRI Global Medium,

    Privileged Portfolio Pro 90 May,

    Privileged Portfolio Pro 90 Feb,

    Privileged Portfolio Pro 90 Aug,

    Privileged Portfolio Pro 90 Nov.

    Very Dynamic

    Careful

    Sivek High

    4

    Sivek SRI Global High,

    Privileged Portfolio Pro 85 May,

    Privileged Portfolio Pro 85 Feb,

    Privileged Portfolio Pro 85 Aug,

    Privileged Portfolio Pro 85 Nov.

    Very Dynamic

    Balanced

    Sivek High

    4

    Sivek SRI Global High,

    Privileged Portfolio Pro 85 May,

    Privileged Portfolio Pro 85 Feb,

    Privileged Portfolio Pro 85 Aug,

    Privileged Portfolio Pro 85 Nov.

    Very Dynamic

    Progressive

    Sivek High

    4

    Sivek SRI Global High,

    Privileged Portfolio Pro 85 May,

    Privileged Portfolio Pro 85 Feb,

    Privileged Portfolio Pro 85 Aug,

    Privileged Portfolio Pro 85 Nov.

    Very Dynamic

    Neutral

    Sivek High

    4

    Sivek SRI Global High,

    Privileged Portfolio Pro 85 May,

    Privileged Portfolio Pro 85 Feb,

    Privileged Portfolio Pro 85 Aug,

    Privileged Portfolio Pro 85 Nov.

     

    More information about these Portfolios’ is available at Off-shore Funds

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).

Warning: These funds may be affected by changes in currency rates.
Warning: The value of your investments may go down as well as up.
Warning: Past Performance is not a reliable guide to future performance.
Warning: If you invest in this product you may lose some or all of the money you invest.