You can potentially get a higher return on an investment fund than on savings solutions. Investing is never without risk, of course. According to investing wisdom, if you want a bigger return you have to take bigger risks.
Extensive investment fund offering
Looking for funds that invest in shares, bonds, real estate or cash? Or do you prefer a specific country, sector or theme? At KBC you can choose from an extensive offering.
You do not need to be an expert.
Don’t know much about investing? Or no time to follow the stock market? Don´t worry: the funds are managed by investment experts.
Investments start from 25 euros
You do not need a lot of capital to invest in investment funds. You can invest as little as 25 euros in an investment plan.
Why opt for an investment fund?
It’s best not to put all your eggs in one basket.
The cardinal rule for every investor is: spread your risks. Funds allow you to invest a relatively small amount in lots of different shares or bonds at the same time. This limits the impact on your return if the share or bond underperforms.
You do not need to be an investment expert.
You do not have to actively follow the financial markets. Our fund managers do so on your behalf. They select the shares, bonds or currencies that offer the best potential returns. They closely follow the economic developments and adjust their investment choices based on their knowledge and insights.
What is the return on an investment fund?
A fund can invest in shares, bonds, cash, real estate or a mix of these. That means there is a risk involved in investing in investment funds. Obviously, there is a greater chance of a higher return, depending on the investment mix chosen.
The price of a fund is set every day or every two weeks. Another name for that price is the net asset value of a fund. The net asset value reflects the value of the shares or bonds. Your actual return depends on when you buy and when you sell. If you sell when the value of the fund is higher than when you bought, as a rule you make a profit (before charges) If the net asset value is lower when you sell, you make a loss. You can protect yourself from this fully or partially by investing in a fund with capital protection or floor monitoring. Please note that these protection mechanisms do not guarantee your whole invested capital.
A fund itself can also generate a return. That’s why many investment funds come in two variants. If the investment fund contains shares that pay out a dividend or bonds that pay out a coupon, choose the variant that suits you best:
- You can have the returns paid out (funds that pay out returns)
- You can have the returns reinvested automatically (funds that accumulate returns)
How much does it cost to invest in an investment fund?
How much money do you need to invest?
You can invest a large sum in one go or you can regularly invest small sums. You can invest as little as little as 25 euro in an investment plan.
- You pay entry charges when investing in an investment fund. The fund also charges an annual management fee for the professional management tasks.
- An exit charge is also payable when you sell certain types of fund before the final maturity date. These include funds with capital protection on the final maturity date.
- All costs and total current costs are stated on the fund fact sheet, in the key investor information document and in the prospectus.
Where can you find the KBC offering?
Investment fund or fund is a popular name for a sub-fund of an open-ended investment company under Belgian or Luxembourg law, or a mutual fund.