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The shares for the basket are chosen from a worldwide equity universe. The four-step selection process is based on various criteria, i.e. macroeconomic factors (step 1), historical financial data (step 2), analysis reports (step 3) and options-related data (step 4). In step 1, KBC Asset Management distinguishes between shares on the basis of market capitalisation, liquidity (tradability on the stock market) and the investment policy pursued in the fund. The final composition of the basket is approved by the Board of Directors of the bevek. It must also meet a number of legal requirements, viz. a minimum number of shares, an adequate diversification over regions and/or sectors, the weighting for individual shares, etc. During the selection process, KBC Asset Management also uses parameters that may affect the investment’s potential return. More information can be found in the prospectus.

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Key features

 
     
     
The features at maturity apply to investors who have subscribed during the initial subscription period, and are before taxes and charges. The tax system in Belgium applies to individual investors subject to Belgian personal income tax. No formal guarantee of repayment of the initial subscription price is provided to the sub-fund or to its unitholders. No formal guarantee of repayment of at least 90% of the initial subscription price is provided to the sub-fund or to its unitholders.
³ Variable Net Asset Value: MMF with variable net asset value
⁴ A money market fund is not a guaranteed investment. Investing in a money market fund differs from investing in a deposit because the value of the capital invested can vary. A money market fund does not rely on external support to guarantee its liquidity or to stabilise the net asset value per unit. Any loss on exit is borne by the investor.


Risks

 
     
     
1 With regard to UCIs: The legally required risk and return indicator is determined on the basis of the fund’s volatility. This indicator gives guidance on the possible return and also indicates the risk involved. It is also included in the key investor information document.
With regard to unit-linked investment-type insurance: The statutory risk indicator is based on market risk and credit risk. The two indicators are combined in the summary risk indicator ('SRI'), which gives an indication of the attendant risk. The risk class is based on the base currency of the (unit-linked investment) fund.
The scores for the statutory risk and reward indicator for UCIs and the statutory summary risk indicator for unit-linked investment funds are not mutually comparable.
For UCIs: the lowest risk class does not mean that the investment is entirely risk-free. However, it does indicate that, compared with the higher figures, the product will generally provide a lower, but more predictable return. The higher this figure, the higher the potential return, but also the harder the return is to predict. Losses are possible, too.
For unit-linked investment-type insurance: the summary risk indicator is a guideline for the product's risk level compared to that of other products. The indicator shows how big a chance there is that investors will lose on the product due to market developments or because no money is available to make payments. Class 1 means that the potential losses on future performance are estimated very low and the chance of KBC Insurance NV not paying you due to poor market conditions is very small. Class 7 means that the potential losses on future performance are estimated very high and the chance of KBC Insurance NV not paying you due to poor market conditions is very large.
All of these risk indicators are based on past results, which is not always a faithful indication of risk and return in the future. The indicators are regularly evaluated and may therefore be lowered or raised.
2 Along with the volatility of the market, this product rating, developed by KBC, also takes other factors into account such as scheduled repayment of capital, credit worthiness, asset allocation, exposure to foreign currencies and liquidity. Under normal market circumstances, a lower risk (lower product rating) will lead to a potential lower return. Under normal market circumstances, a higher risk (higher product rating) will lead to a potential higher return.

Net asset value

     
     
     Latest price:
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    Highest price:
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    Lowest price:
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     Price on -:
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    Options:
    Compare with the benchmark:
    Past net asset value performance is not a reliable indicator of future performance. (Source: KBC Asset Management).
    Past net asset value performance is not a reliable indicator of future performance. The net asset value (converted into euros) fell in the past due to fluctuations in the exchange rate. (Source: KBC Asset Management).
    Return per calendar year
           
           

    This information is not yet available.



    Annualised return

    This information is not yet available.




    Performance

         
         
    The way in which the initial and closing values of the underlying asset are calculated, as well as numerical examples illustrating how the final return is calculated, can be found in the Management Rules.
    The way in which the initial and closing values of the underlying asset are calculated can be found in the Prospectus. Numerical examples and information on how the final return is calculated can be found in the Key Investor Information Document.

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    Documents

         
         

    Additional information

         
         
    ** Class 23 or unit-linked life insurance is the collective name for life insurance products whose premiums are invested in one or more investment funds, without a guaranteed return.
    * The term 'undertaking for collective investment' (UCI) is the overarching name used for all types of investment fund, regardless of their legal status. Depending on their legal status, a distinction is made between UCIs with a contractual structure (mutual funds) and UCIs with a separate legal personality (investment companies). For UCIs that are made up of different sub-funds, the term 'UCI' is also occasionally used to refer to a sub-fund. The investor participates directly in a diversified portfolio that invests, for instance, in equities, bonds, cash and/or real estate in accordance with the investment policy laid down in the prospectus. UCIs are managed in the exclusive interests of the unit holders by specialists who track the market closely. Another term often used for a UCI is 'fund' or 'investment fund'.

    This screen only contains marketing information. It contains no investment advice or investment research, just a summary of the product’s features. This on-screen information may be changed without notice in the future. Detailed information on this product, the terms and conditions and allied risks can be found in the prospectus, the key investor information document and periodic reports (in the case of UCITS) or in the management regulations and key information document (in the case of unit-linked investment-type insurance).Go through the key investor information document and prospectus (for UCITS) or the key information document and management regulations (for unit-linked investment-type insurance) before deciding to invest in this product. You can obtain these documents free of charge from your KBC or CBC branch, or view them at www.kbc.be or www.cbc.be.
    Certain products including KBC-Life Multinvest unit-linked investment-type insurance can only be subscribed to during the initial subscription period.
    This information is subject to Belgian law and is within the exclusive jurisdiction of the Belgian courts. If you have any questions, KBC clients can contact: + 32 78 353 137 KBC Brussels clients should contact: + 32 2 303 31 60
    You can submit any complaints you may have by e-mail to complaints@kbc.be, by telephone on 0800 62 084 or by e-mail to ombudsman@ombudsfin.be. All net asset values can be found at www.beama.be.

    Risk profiles

    Indicate, based on the product rating of the fund, the risk profile of investors for which that fund is a suitable investment. KBC distinguishes among four risk profiles, ranging from highly defensive (i.e. very cautious) to highly dynamic. Risk profiles are assessed regularly and may consequently be adjusted. We advise you only to invest in a product if you understand the essential characteristics of the product and, more particularly, if you understand what risks the product entails. If KBC Bank decides to offer the product without giving investment advice on it, it is required to determine whether you have sufficient knowledge and experience of the product. If you do not, it must warn you that the product is not suitable for you. If KBC Bank recommends the product in the context of providing investment advice, it is required to examine whether the product is suitable for you in the light of your knowledge and experience of the product, your investment goals and your financial capacity. Exceptionally, it is possible that said assessment may not be done, under quite specific circumstances, where the service is provided on the client's initiative. For the complete overview of client risk profiles, go to www.kbc.be/riskprofile.

    Risk and reward indicators

    The legally required risk and return indicator is determined on the basis of the fund's volatility or sensitivity to the markets. It is also included in the Key Investor Information Document. While the figure gives an indication of the return the fund might generate, it also indicates the risk involved. The figure is calculated from the viewpoint of an investor in euros. The lowest figure does not mean that the investment is entirely free of risk. However, it does indicate that, compared with the higher figures, the product will generally provide a lower, but more predictable return. The higher this figure, the higher the potential return, but also the harder the return is to predict. Losses are possible, too. This figure is based on past performance, which is not always a faithful indication of risk and return in the future. Risk and reward indicators are assessed regularly and can therefore go up or down.

    Product ratings

    For each savings and investment product, KBC calculates a product rating. Product ratings allow you to compare different savings and investment products. That way, you know whether a product is inherently more defensive or more dynamic. Ratings are allocated on a scale from 1 (more defensive) to 7 (more dynamic).Besides factoring in market volatility, ratings also take account of a number of other factors, such as the proposed repayment of capital, credit ratings, asset allocation, exposure to foreign currencies, and liquidity. Under normal market conditions, a lower risk (lower product rating) will result in a potentially lower return, whereas a higher risk (higher product rating) will result in a potentially higher return. Product ratings are assessed regularly and can therefore go up or down.

    For the overview of financial and economic terms, go to www.kbc.be/lexicon (available in French or Dutch).