Why go for KBC Safe 26?
If you’re looking for a safe investment for a legal entity such as a company or non-profit organisation, look no further than KBC Safe 26. Whether you choose an investment term of four years (KBC Safe 26 4Y) or eight years (KBC Safe 26 8Y) depends on the needs of the legal entity.
You’ll receive a guaranteed rate of interest for each deposit right up until maturity. In addition, the return may be supplemented each year by a variable profit share.
Main features of a KBC Safe 26 contract
Fixed term
You can choose between a four-year and eight-year term, though this doesn’t mean that your funds are tied up for that entire period. You are free to access them at any time, but you’ll have to pay exit charges should you decide to withdraw your money early. If you hold on to your investment until maturity, you won't have to pay any exit charges.
Guaranteed rate of interest
With a KBC Safe 26 contract, you are guaranteed to receive a certain return. Interest accrues on your deposit from day one, right up until the contract ends. At present, the interest rate is:
- 2.00% for KBC Safe 26 4Y
- 2.50% for KBC Safe 26 8Y
Deposit amount
Your minimum amount you can deposit is 10 000 euros. It’s not possible to make any further deposits during the term of the contract, but you can take out a new contract.
Potential to earn a profit share
In addition to the certainty of a minimum return, you could receive an annual profit share. The profit share is not guaranteed and can vary from year to year, depending on the economic situation and the results of KBC Insurance.
Charges
| Entry charges | 1.00% on each deposit made in KBC Safe 26 4Y 2.50% on each deposit made in KBC Safe 26 8Y |
| Management fees |
None
|
| Exit charges | None at maturity 0.5% of the accrued reserve and, depending on the economic situation, a surrender fee if money is withdrawn early |
Tax treatment
| Withholding tax | Payable on the total return (basic return + profit share) on surrender or at maturity. |
| Insurance tax | Not applicable |
The tax treatment depends on your individual circumstances and may change in the future.
Sustainability-related disclosures
This product promotes environmental and social characteristics that enable you to make a positive impact on the environment or society, but does not have sustainable investment as an objective. We also strive to reduce any detrimental impact on the environment or society by pursuing responsible investment policies. More detailed information in this regard can be found in the product fact sheet.
This product was awarded the ‘Towards Sustainability’ label for a one-year period. The label, which was developed by Febelfin (the Belgian banking federation), is re-evaluated every year. It is a quality standard under the supervision of the Central Labelling Agency of the Belgian SRI Label (CLA). The standard defines several minimum requirements that sustainable financial products must meet at product level and in the investment process. See www.towardssustainability.be/the-label for more details. Products that are awarded this label may not meet your own sustainability objectives and the label itself may not necessarily meet the requirements of future national or European regulations. Learn more at www.fsma.be/en/sustainable-finance.
Risks
Guarantee:
Capitalisation life insurance (Class 26) product with a guaranteed return, whereby the investment risk is borne by the insurance company.
Risk indicator:
- KBC Safe 26 4Y: 1 on a scale of 1 (lower risk) to 7 (higher risk).
- KBC Safe 26 8Y: 1 on a scale of 1 (lower risk) to 7 (higher risk).
Additional information
KBC Safe 26 4Y and KBC Safe 26 8Y are capitalisation (Class 26) contracts issued by KBC Insurance NV and subject to Belgian law.
KBC Safe 26 4Y
Read this information carefully before taking out this insurance
Other important documents are included below
KBC Safe 26 8Y
Read this information carefully before taking out this insurance
Other important documents are included below
Have a complaint?
Your intermediary is your first point of contact for any questions and complaints you may have. If you have a complaint, you can also send an e-mail to complaints@kbc.be, tel. 016 43 25 94 (free of charge) or to the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûsplantsoen 35, 1000 Brussels, info@ombudsman-insurance.be.
