ABN AMRO Profile Funds for people who want to invest the easy way

Transcription

1 ABN AMRO Profile Funds for people who want to invest the easy way Investment made easy Fully tailored to your risk profile Active management by experts

2 ABN AMRO Profile Funds for people who want to invest the easy way Introducing the ABN AMRO Profile Funds Which ways of investment suits me? 04 I am interested in the opportunities offered by investment, but concerned that I lack the time and expertise to get involved. Many people enjoy managing their own investments. But I lack the knowledge or the time to play the markets. This is why I invest in the ABN AMRO Profile Funds. They make investing easy. Choose the ABN AMRO Profile Fund that suits you No two investors are alike. 06 Expenses When you invest, you incur expenses. 10 The ABN AMRO Profile Funds in a nutshell ABN AMRO Profile Funds cater for investors of all types. 12 Information and advice ABN AMRO can be reached through multiple channels, 24 hours a day, 7 days a week. 14

3 4 5 Which ways of investment suits me? introducing the ABN AMRO Profile funds Making the best choices If you re interested in investing, there are bound to be things you should consider before you proceed. Willingness to do things the right way is only the start; knowing how requires a high level of expertise and understanding of the financial markets. Which investments or investment funds are the top performers? Which investment approach suits you best? And who can help you make the choices that are right for you? Your world of investment With the expertise of ABN AMRO Advisors behind you, the whole world of investing is yours to explore. ABN AMRO Advisors will select the investment products and fund houses that are best suited to you. These fund houses include leading firms such as Fidelity, JP Morgan and Robeco. ABN AMRO Advisors will select investments to suit various risk profiles: the ABN AMRO Profile Funds. Introducing the ABN AMRO Profile Funds The ABN AMRO Profile Funds have been developed for everyone who wants to invest the easy way. In a nutshell, you choose one of the funds and the team at ABN AMRO Advisors does the rest. ABN AMRO Advisors the organisation behind the profile funds is a highly respected international asset manager specialising in independent investment fund research. All the investment funds chosen by ABN AMRO Advisors are selected on the basis of thorough research. Multiple factors, such as past performance, prospects for the future and the qualities of the management team, are taken into account. There are six profile funds: for the investor who wants to minimise risks, for the investor who seeks adventure, and for everyone in between. On the following pages, you will find information about the various profile funds and their composition. However, it is impossible to tell you everything you might want to know in a brochure such as this. More detailed information about the funds and their associated risks is presented in the prospectus and Key Investor Information Document (KIID). You are strongly advised to read this material before making up your mind, so that you can reach a sound investment decision. The prospectus and KIID are available from abnamro.nl/profielfondsen

4 6 7 No two investors are alike. Profile Fund 1 Very defensive Profile Fund 3 Moderately defensive choose the ABN AMRO Profile Fund that suits you Are you looking to get a better return than offered by a Although you are not strongly risk averse, you want the No two investors are alike. Before you start investing, Step 2. Which profile fund is right for you? savings account while minimising the risk? If so, a very defensive portfolio will suit you best. This portfolio is risks kept within certain limits and spread over a longer period. If that s you, the answer is a mixed portfolio you need to decide what sort of investment is right for Each of the six profile funds is made up of investments in made up of cash and fixed-income investments, without with the emphasis on fixed-income investments, plus a you. You determine in advance what risk profile is most several asset classes: equities, real estate, fixed income any equities. You should invest for a period of at least modest amount in equities. You are advised to commit appropriate for your personal circumstances and investment and/or cash. The fund can invest in fixed income, equities two years. your money for at least seven years. objectives. The profile funds are aligned with ABN AMRO s and money market instruments directly, through financial risk profiles. Even if you already have a risk profile, we derivatives or through undertakings for collective investment Profile Fund 2 Defensive Profile Fund 4 Moderately offensive recommend checking whether it s still right for you. For in transferable securities (including exchange-traded index example, have your personal or financial circumstances changed? If so, you may need to change your risk profile as well. Then simply choose the profile fund that goes with your new risk profile. Step 1. What kind of investor are you? funds). It may also make modest cash investments. The allocation to the various asset classes differs from one profile to the next. It may also shift over time, depending on stock market conditions and interest rates. Each profile fund s asset allocation reflects the associated risk profile. The make-up of the profile funds is also aligned with ABN AMRO s With the ABN AMRO Profile Funds, you decide how to policies. Profile Fund 1 focuses on the lowest-risk invest. There is always a profile fund that s right for you. investments and includes no equity investments at all. Do you worry when stock markets fall? Or do you like Profile Fund 6 has the highest-risk strategy, based entirely to sail a little closer to the wind? How certain do you on equities. Are you willing and able to take a little more risk and can You understand the risks and recognise the opportunities want to be about the future value of your investments? you invest over a longer period? In that case, a defensive involved in investing in equities. Because you are willing By answering a few questions, you can establish which portfolio is your best option. With a defensive portfolio, to accept a little more risk, a moderately offensive portfolio risk profile fits you best. Again, if you already have a risk you invest largely in fixed-income and cash instruments, is probably right for you. This implies that more of your profile, please check whether it is still appropriate for but a very small proportion of your capital is also put into capital will be invested in equities than in fixed-income your personal circumstances and investment objectives. equities and real estate. The minimum recommended products. To benefit fully, you should expect to invest For further information, see: abnamro.nl/profielfondsen investment horizon is five years. for at least ten years.

5 8 Choose the ABN AMRO Profile Fund that suits you 9 Profile Fund 5 Offensive Step 3. Once you ve made your choice Once you have decided on the profile fund that suits you best, ABN AMRO does the rest. Our experts will ensure that your profile fund continues to reflect your attitude to investment. They constantly monitor the markets, picking up on any significant developments in trading or interest rates. Whenever important changes are observed, ABN AMRO Advisors will adjust the composition of your profile fund. This leaves you free to focus on other things. The potential of a higher return is important to you. With an offensive portfolio made up mainly of equities, with fewer fixed-income products, you have that potential. The corresponding risks are something you re willing to accept. Anyone who chooses an offensive portfolio should be willing to commit their capital for a minimum of twelve years. Profile Fund 6 Very offensive Pursuing high returns is your main investment goal. For the greatest chance of high earnings in the longer term, your best choice is a very offensive portfolio, made up almost entirely of equities. You accept the substantial risks that go with such investments. The minimum recommended investment horizon is fifteen years. Risks ABN AMRO offers investors six different profile funds. The six funds reflect the profiles used in ABN AMRO Bank s central investment policy for private investors. Taking your risk profile into account, you select the profile fund that s right for you, with the help of your financial advisor. The profile funds range from very defensive to very offensive ; the more offensive a fund, the bigger the related risk. Each profile fund has a different asset allocation across cash, fixed income, indirect real estate and equities. Bands have been defined for these asset classes at the profile fund level. Profile Fund 1 invests mainly in short-term, fixed-income securities, such as deposits and bonds. As a result, investing through profile fund 1 involves the least risk. By contrast, Profile Fund 6 invests mainly in equities and consequently is associated with the highest risk. The profile funds may invest in emerging markets. This can increase the risk due to above-average volatility, a higher level of concentration, reduced availability of information, lower liquidity and greater market sensitivity. The profile funds do not provide you with dividends or other earnings along the way. Any income from the investments is reinvested in the fund. The profile funds are not listed on any stock exchange. That means you can only buy and sell units in these funds through ABN AMRO. The value of your investment can fluctuate considerably. Past results are no guarantee of future performance. The profile funds may invest in the Russian Trading System Stock Exchange, which allows trading in US dollars, rather than the local currency. With all the profile funds, it is possible that you may lose some or all of what you invest. The main risks associated with the ABN AMRO Profile Funds are set out here. For further details, please refer to the prospectus and financial information leaflets of the profile funds.

6 10 11 When you invest, you incur expenses. expenses When you invest, you incur certain expenses. These consist of the costs incurred by your chosen profile fund and the transaction costs. The expenses associated with participation in an investment fund are always expressed as a percentage, known as the ongoing charges. These expenses are reflected in the value of the fund. The expenses associated with the various profile funds are shown in the table below. The ongoing charges are posted on abnamro.nl/tarieven ABN AMRO charges a distribution fee, as listed below. This fee is included in the ongoing charges. Expenses associated with the Profile Funds Fund name Ongoing charges* Including distribution charge ABN AMRO Profile Fund % 0.40% ABN AMRO Profile Fund % 0.40% ABN AMRO Profile Fund % 0.55% ABN AMRO Profile Fund % 0.55% ABN AMRO Profile Fund % 0.70% ABN AMRO Profile Fund % 0.70% * The ongoing charges are based on the period from 31 December 2011 to 31 December 2012 and consist of the expenses detailed in the prospectus, plus the expenses connected with the investments that are made. Investing in the ABN AMRO Profile Funds There are several ways to invest in an ABN AMRO Profile Fund: Call (24 hours a day, 7 days a week) Visit a branch of ABN AMRO Consult your financial advisor, if you have one

7 12 13 ABN AMRO Profile Funds cater for investors of all types. the ABN AMRO Profile Funds in a nutshell ABN AMRO Profile Funds are the easy way to invest. To help you make up your mind, the main features are summarised below. The ABN AMRO Profile Funds in a nutshell ABN AMRO Profile Funds cater for investors of all types. There are six funds, varying from lowest risk to highest risk. Once you have chosen the profile fund that suits you best, you don t have to monitor your investments. ABN AMRO takes care of everything. ABN AMRO s specialists invest your money with the best investment institutions and funds around the world. Your chosen profile fund remains tailored to your needs and preferences. ABN AMRO s specialists adjust the composition of the funds to reflect market developments whenever the need arises and at least once every six weeks. If your investment preferences change, you can always switch to a different profile fund. You can easily invest whatever amount suits you, whenever you please, or by setting up an automatic monthly payment.

8 14 15 ABN AMRO can be reached through multiple channels, 24 hours a day, 7 days a week. information and advice Advice If you have questions about our products and services, please visit one of our branches. You can also call us on ( 0.10 per minute); the lines are open 24 hours a day, 7 days a week. The number to call from outside the Netherlands is: +31 (0) Brochures Our other brochures are available at our branches. You can also request them by calling ( 0.10 per minute). For more information Please visit our website abnamro.nl General disclaimer This marketing document has been prepared by ABN AMRO Bank N.V. ( ABN AMRO ) and is exclusively intended as general information and is not oriented to your personal situation. Therefore, the information may expressly not be regarded as a recommendation or as a proposal or offer to 1) buy or trade financial instruments and/or 2) procure investment services nor as investment advice. Key Investor Information Documents have been prepared for the ABN AMRO Profile Funds containing information on the product, the costs and the risks. The prospectus, the Key Investor Information Documents as well as other information are available from abnamro.nl/fondsen. We recommend that you download these documents and read them before you buy the product. This marketing document is not intended to replace the above-mentioned fund documents. The value of your investment may fluctuate. Past results are no guarantee of future performance. The buying and selling of units in the funds will be subject to charges. The ABN AMRO Profile Funds are subfunds of ABN AMRO Multi-Manager Funds Sicav, an investment company with variable capital incorporated under Luxembourg law and based at rue de Gasperich 33, 5826 Howald-Hesperange, Luxembourg. ABN AMRO Advisors is the trade name of Neuflize OBC Investissements, a company incorporated under French law and based at avenue Hoche 3, Paris, France. ABN AMRO Advisors is a delegated portfolio manager. ABN AMRO Multi-Manager Funds Sicav is recognised in Luxembourg as an Undertaking for Collective Investment in Transferable Securities (UCITS). The ABN AMRO Profile Funds are registered with the Netherlands Authority for the Financial Markets (Autoriteit Financiële Markten / AFM) under the Financial Supervision Act (Wet op het financieel toezicht). Although ABN AMRO Bank N.V. attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, ABN AMRO makes no representations or warranties, express or implied, as to whether the information in this document is accurate, complete or up-to-date. ABN AMRO Bank N.V. accepts no liability for printing and typographical errors. The information and opinions included in this document may be amended without prior notice. ABN AMRO Bank N.V. is not obliged to amend or update the information and opinions included in this document. Neither ABN AMRO nor its agents or subcontractors shall be liable for any damage or loss (including loss of profits) arising in any way whatsoever from the information provided in this document or its use. ABN AMRO, or the relevant owner, retains all rights (including copyright, trademarks, patents and any other intellectual property right) in relation to all the information provided in this document (including all texts, graphical material and logos). The information in this document may not be copied or published, distributed or reproduced in any way whatsoever without the prior written consent of ABN AMRO or the legal consent of the owner. The information in this document may be printed for your personal use. The tax treatment of an investment in ABN AMRO Profile Funds depends on the individual circumstances of each investor and may change in the future. ABN AMRO Bank N.V. has a banking licence from De Nederlandsche Bank N.V. (the Dutch Central Bank / DNB) and is registered with the Netherlands Authority for the Financial Markets (Autoriteit Financiële Markten / AFM). ABN AMRO Bank N.V. is listed in the Trade Register of the Chamber of Commerce under file number About ABN AMRO ABN AMRO Bank N.V. has its registered office at Gustav Mahlerlaan 10, 1082 PP Amsterdam (the Netherlands). Tel.: ( 0.10 per minute). Internet: abnamro.nl ABN AMRO Bank N.V. holds a banking licence from De Nederlandsche Bank N.V. (the Dutch central bank) and is included in the register of the Autoriteit Financiële Markten (AFM - Authority for the Financial Markets) under number ABN AMRO Bank N.V. may act as a provider of payment, savings and credit products, as an intermediary for payment, savings, credit and insurance products, and as an investment firm for all investment services and activities and related services. You can find information about ABN AMRO Bank N.V. s complaints procedure and the disputes bodies to which ABN AMRO Bank N.V. belongs at: abnamro.nl/allesnaarwens or you can request it at telephone number ABN AMRO Bank N.V. is subject to the Investor Compensation Scheme and the Deposit Guarantee Scheme. You can find further information about this at: abnamro.nl/garantieregeling or you can request it at telephone number US Person Investment Disclaimer ABN AMRO Bank N.V. ( ABN AMRO ) is not a registered broker-dealer or investment adviser under the US Securities Exchange Act of 1934 and the US Investment Advisers Act of 1940, as amended from time to time, or under applicable laws of the individual states of the United States of America. Accordingly, in the absence of specific exemption under those Acts, any brokerage and investment advisory services provided by ABN AMRO, including but not limited to the products and services described in this document, are not intended for US persons as meant by the aforesaid legislation and regulations. Neither this document nor any copy of it may be sent to or taken into the United States of America or provided to a US person. Notwithstanding the above, the sale, distribution or offering of the services and/or products described in this document is not intended for any person in countries in which ABN AMRO is not permitted so to do pursuant to any legal provision. Persons into whose possession this document or any copy of it may come must inform themselves about and observe any legal restrictions on its publication and distribution and/or the acceptance of the services and/or products described in this document. ABN AMRO shall not be liable for any damage or loss arising from services and/or products taken in contravention of such restrictions.

9 abnamro.nl