Duurzaam Fondsen Mandaat
Sustainable Funds Mandate

Sustainable Funds Mandate

Investing for a better world

  • Strike the right investment balance between people, the environment and society 
  • Benefit from the expertise of managers of sustainable funds 
  • Invest in innovative companies

What is the Sustainable Funds Mandate?

Are you looking to invest with your heart as well as your head? The investments that our portfolio managers select for the Sustainable Funds Mandate are investments that stand out from the crowd based on their sustainability credentials and their financial returns. 

Sustainable funds invest in companies that aim to make a positive contribution in relation to people, the environment and society. They pay close attention to themes such as climate change, the circular economy, human rights and social entrepreneurship.

Hoe werkt het Duurzaam Fondsen Mandaat?

Sustainable investing is the future

We believe that sustainable investing is the future. Sustainable companies are companies that are innovative or that use raw materials in an efficient way, produce less pollution, have better contact with people or acknowledge the opportunities and risks that people face.
Always invest with the level of risk that suits you

Always invest with the level of risk that suits you

If you opt for the Sustainable Funds Mandate, our experts will pick investments that are entirely in line with your selected risk profile. This is because sustainable investing is not an obstacle when it comes to ensuring a good global diversification of risk.

#sustainable­portfoliomanagement

Your money can make a positive impact on the world

Your savings can achieve returns through sustainable investments and have a positive impact on people and the environment.

Start now and receive a gift of € 500

When you start with Asset Management during the promotional period, you will receive a one-off gift of € 500 on your account.

Make an appointment and sign up

Please read the terms and conditions


Already a Portfolio Management customer?
Then we also have a promotional offer for you: deposit € 20,000 and receive a gift of € 200 or deposit € 50,000 and receive a gift of € 500. Please contact your wealth specialist or read the terms and conditions for your promotion.

Discuss your possibilities with us, free of obligations

Tell us when we can call you

  • Choose a moment when we can call you.
  • You can then make an appointment for a consultation with an Investment Adviser. 
  • The consultation may take the form of a phone call or a Screen Banking session.

Make an appointment for a consultation right away

  • An employee will call you back immediately
  • You can then make an appointment for a consultation with an Investment Adviser. 
  • The consultation may take the form of a phone call or a Screen Banking session.

More information and conditions

Characteristics of Sustainable Funds Mandate

If you opt for this mandate, our experts will invest on your behalf in companies that are at the forefront when it comes to finding and maintaining a balance between people, the environment and society. You have a portfolio that consists mainly of sustainable investment funds and individual sustainable bonds. Investments are also made in an impact fund. The funds are always selected on the basis of your risk profile.

Investment style

Our investment experts ensure you have a diversified investment portfolio that is in line with your risk profile. The composition of your portfolio depends on factors such as the investment vision of our economists and other market specialists. This vision is verified on a regular basis and updated as necessary. It determines how your investments are currently spread across countries, sectors, regions and themes, in line with your risk profile. A sound spread will give you a greater chance of returns in the long term.

Worked example: information on fees and returns

Elroy is an investor who has opted for the Portfolio Management Sustainable Funds Mandate. He has a moderately offensive risk profile. His investment portfolio is worth € 100,000. In 2020, his total annual fees and net return were roughly as follows:

Type of fee Amount Percentage

All-in fee(including VAT)

€ 1,270

1.27%

Ongoing charges

€ 675

0.68%

Total fees

€ 1,945

1.95%

     

Return (including dividend and ongoing charges)

€ 6,385.00

6.39%

     

Net return 

€ 4,440.00

4.44%

Source: ABN AMRO Portfolio Management, compound rate of return for the period 1 January 2020 - 31 December 2020. These are the model portfolio results, which may differ from the returns achieved on the portfolios of individual clients. The value of your investments may fluctuate. Past performance is no guarantee of future performance.

Actual returns after deduction of fees

This table shows the actual net returns achieved under the Comfort Income Mandate for the past five years.

Risico 2016 2017 2018 2019 2020 sinds 2016

Defensive

0.3%

1.9%

-3.9%

-3.9%

2.2%

7.8%

Moderately defensive

0.3%

3.4%

-5.2%

11.1%

3.1%

12.7%

Moderately offensive

0.4%

5.6%

-6.8%

16.1%

4.4%

19.8%

Offensive

0.5%

7.4%

-8.6%

21.9%

6.0%

27.6%

Very offensive

0.4%

8.6%

-9.4%

25.1%

6.5%

31.7%

Source: ABN AMRO Portfolio Management, compound rate of return for the period 01/01/2016 - 31 December 2020.


Results are stated after the deduction of all fees and are based on a geometric mean calculation. These are the model portfolio results, which may differ from the returns achieved on the portfolios of individual clients. The value of your investments may fluctuate. Past performance is no guarantee of future performance.

Explanation of fees

Fees that you pay to us

You pay us a fee for our services, which include managing your portfolio and ongoing advice. This is an all-in fee, so you will not be charged any additional fees for withdrawing cash or changing your mandate or risk profile, for example. Moreover, no additional fees will be charged if you decide to stop using our Portfolio Management services. The exact fee you pay depends on your risk profile and ranges from 1.21% to 1.39% of your invested assets each year (these percentages include 21% VAT).

Fees that you pay to other parties

You also pay fees for the investment funds that are run by external fund managers for ABN AMRO. Some of the funds are managed by ABN AMRO, in which case ABN AMRO is the fund provider. These fees are also known as ongoing charges and are paid to managers to cover the costs of making the investments and administration costs. You do not need to pay the ongoing charges separately as they are included in the price of each investment fund.

Portfolio Management fee sheet

Conditions

Read the investment  terms and conditions .

Risk profiles

ABN AMRO uses five different risk profile in its Portfolio Management services. These range from a low-risk profile (defensive) to a very high-risk profile (very offensive). Each risk profile is associated with a specific portfolio model, which shows how we recommend you spread your investments across equities, bonds, alternative investments and liquid assets.

Once you have determined your risk profile with the guidance of your Investment Adviser, we will be able to put together an appropriate investment portfolio and immediately give you an idea of the impact on your investment returns.

Risks

You should only invest money that you do not need and that is ;surplus to your buffer for unforeseen expenses. While investing can be very interesting, it also entails risk. You could lose some or all of the money you invested. This is something you need to be aware of. Only invest in investment products that you understand.

If you opt for our Portfolio Management service, you do not make any investment choices yourself. Even so, you still need to be aware of the risks associated with investing.

When you start using our Portfolio Management service, you determine your own risk profile based on advice provided by your Investment Adviser. Our experts will then take care of buying and selling your investments, in line with your risk profile.

It is also good to know that:

  • A specialist department checks the investment risks in your portfolio every day. The daily operational processes that are a necessary part of managing your portfolio comply with the highest European standards (ISEA 3402). 
  • The investments in your portfolio are legally separate from ABN AMRO. They are held in your name and are therefore your property. This means that your investments will be safe in the unlikely event that ABN AMRO becomes insolvent.
Deposits and withdrawals

When you opt for Portfolio Management, you entrust the long-term management of your assets to us. You may make deposits and withdrawals at no extra charge, but this may affect whether you are able to achieve your investment objectives. Your Investment Adviser can provide you with advice about this.

Information on your invested assets

Your Investment Adviser will discuss your portfolio with you once a year. We also keep you continuously updated on your portfolio, its returns and the investment policy in various ways.

Investment Dashboard Your Investment Dashboard can be viewed in Internet Banking at any time of day or night. The Investment Dashboard provides a quick picture of your portfolio, investment gains and losses, and income. Besides viewing your total assets, you can also see the individual financial instruments (including related results). The Investment Dashboard provides a clear overview and is easy to use.

How to view your Investment Dashboard:

  1. Select an investment account in Internet Banking 
  2. Click on 'Investment report' 
  3. View your portfolio and results in your Investment Dashboard.
Wealth Dashboard

We also keep you updated in other ways:

  • Investment report This quarterly report includes information on the following: 
  • Your actual return, compared with the benchmark for your profile 
  • The transactions in the past quarter 
  • The allocation of your assets across the asset classes 
  • An explanation of the investment policy in the past quarter 
  • Digital Portfolio Management newsletter
    You will receive our monthly digital newsletter, which explains the investment choices made by our specialists. 
  • Annual statement for tax purposes
    The bank will send you an annual statement for tax purposes showing the value of your assets that you need to report in your tax return.
What does this mandate comprise?

A broadly diversified portfolio consisting mainly of investment funds selected by our investment experts from a global range. The investment platform provides access to a wide range of investment funds and fund managers.

  • Equity funds
    Equity funds invest in a specific region or focus on a specific type of company, such as companies with potential for growth or companies that pay a high dividend. 
  • Bonds
    You can choose to invest part of your portfolio in bonds as they have a relatively low risk. The bonds we offer have varying credit ratings and terms to maturity. 
  • Other investments
    This category currently consists of an impact fund with investments that include microloans, renewable energy projects and loans for students from developing countries. Investments are also made in the FMO Impact Fund.
    Impact funds are funds in which the balance between people, the environment and society is considered to be just as important as aiming for financial returns. They often invest with the specific aim of helping to bring about this balance.
  • Liquid assets
    Liquid assets are held in an account that pays interest. This account is covered by the deposit guarantee scheme.
Sustainability

Socially responsible investing is an important principle at ABN AMRO. Some investments (such as investments in companies that produce tobacco, cluster bombs and landmines) are completely excluded from all our investment concepts. 

With regard to 'tobacco', we differentiate between the production of tobacco and the sale of tobacco. ABN AMRO does not allow investments in producers of tobacco, whereas companies that ship cigarettes, and supermarkets that sell tobacco products, are not excluded.

Termination

You can stop using our Portfolio Management service at any time without paying any termination fees.

More information and conditions

Characteristics of Sustainable Funds Mandate

If you opt for this mandate, our experts will invest on your behalf in companies that are at the forefront when it comes to finding and maintaining a balance between people, the environment and society. You have a portfolio that consists mainly of sustainable investment funds and individual sustainable bonds. Investments are also made in an impact fund. The funds are always selected on the basis of your risk profile.

Investment style

Our investment experts ensure you have a diversified investment portfolio that is in line with your risk profile. The composition of your portfolio depends on factors such as the investment vision of our economists and other market specialists. This vision is verified on a regular basis and updated as necessary. It determines how your investments are currently spread across countries, sectors, regions and themes, in line with your risk profile. A sound spread will give you a greater chance of returns in the long term.

Worked example: information on fees and returns

Elroy is an investor who has opted for the Portfolio Management Sustainable Funds Mandate. He has a moderately offensive risk profile. His investment portfolio is worth € 100,000. In 2020, his total annual fees and net return were roughly as follows:

Type of fee Amount Percentage

All-in fee(including VAT)

€ 1,270

1.27%

Ongoing charges

€ 675

0.68%

Total fees

€ 1,945

1.95%

     

Return (including dividend and ongoing charges)

€ 6,385.00

6.39%

     

Net return 

€ 4,440.00

4.44%

Source: ABN AMRO Portfolio Management, compound rate of return for the period 1 January 2020 - 31 December 2020. These are the model portfolio results, which may differ from the returns achieved on the portfolios of individual clients. The value of your investments may fluctuate. Past performance is no guarantee of future performance.

Actual returns after deduction of fees

This table shows the actual net returns achieved under the Comfort Income Mandate for the past five years.

Risico 2016 2017 2018 2019 2020 sinds 2016

Defensive

0.3%

1.9%

-3.9%

-3.9%

2.2%

7.8%

Moderately defensive

0.3%

3.4%

-5.2%

11.1%

3.1%

12.7%

Moderately offensive

0.4%

5.6%

-6.8%

16.1%

4.4%

19.8%

Offensive

0.5%

7.4%

-8.6%

21.9%

6.0%

27.6%

Very offensive

0.4%

8.6%

-9.4%

25.1%

6.5%

31.7%

Source: ABN AMRO Portfolio Management, compound rate of return for the period 01/01/2016 - 31 December 2020.


Results are stated after the deduction of all fees and are based on a geometric mean calculation. These are the model portfolio results, which may differ from the returns achieved on the portfolios of individual clients. The value of your investments may fluctuate. Past performance is no guarantee of future performance.

Explanation of fees

Fees that you pay to us

You pay us a fee for our services, which include managing your portfolio and ongoing advice. This is an all-in fee, so you will not be charged any additional fees for withdrawing cash or changing your mandate or risk profile, for example. Moreover, no additional fees will be charged if you decide to stop using our Portfolio Management services. The exact fee you pay depends on your risk profile and ranges from 1.21% to 1.39% of your invested assets each year (these percentages include 21% VAT).

Fees that you pay to other parties

You also pay fees for the investment funds that are run by external fund managers for ABN AMRO. Some of the funds are managed by ABN AMRO, in which case ABN AMRO is the fund provider. These fees are also known as ongoing charges and are paid to managers to cover the costs of making the investments and administration costs. You do not need to pay the ongoing charges separately as they are included in the price of each investment fund.

Portfolio Management fee sheet

Conditions

Read the investment  terms and conditions .

Risk profiles

ABN AMRO uses five different risk profile in its Portfolio Management services. These range from a low-risk profile (defensive) to a very high-risk profile (very offensive). Each risk profile is associated with a specific portfolio model, which shows how we recommend you spread your investments across equities, bonds, alternative investments and liquid assets.

Once you have determined your risk profile with the guidance of your Investment Adviser, we will be able to put together an appropriate investment portfolio and immediately give you an idea of the impact on your investment returns.

Risks

You should only invest money that you do not need and that is ;surplus to your buffer for unforeseen expenses. While investing can be very interesting, it also entails risk. You could lose some or all of the money you invested. This is something you need to be aware of. Only invest in investment products that you understand.

If you opt for our Portfolio Management service, you do not make any investment choices yourself. Even so, you still need to be aware of the risks associated with investing.

When you start using our Portfolio Management service, you determine your own risk profile based on advice provided by your Investment Adviser. Our experts will then take care of buying and selling your investments, in line with your risk profile.

It is also good to know that:

  • A specialist department checks the investment risks in your portfolio every day. The daily operational processes that are a necessary part of managing your portfolio comply with the highest European standards (ISEA 3402). 
  • The investments in your portfolio are legally separate from ABN AMRO. They are held in your name and are therefore your property. This means that your investments will be safe in the unlikely event that ABN AMRO becomes insolvent.

Deposits and withdrawals

When you opt for Portfolio Management, you entrust the long-term management of your assets to us. You may make deposits and withdrawals at no extra charge, but this may affect whether you are able to achieve your investment objectives. Your Investment Adviser can provide you with advice about this.

Information on your invested assets

Your Investment Adviser will discuss your portfolio with you once a year. We also keep you continuously updated on your portfolio, its returns and the investment policy in various ways.

Investment Dashboard Your Investment Dashboard can be viewed in Internet Banking at any time of day or night. The Investment Dashboard provides a quick picture of your portfolio, investment gains and losses, and income. Besides viewing your total assets, you can also see the individual financial instruments (including related results). The Investment Dashboard provides a clear overview and is easy to use.

How to view your Investment Dashboard:

  1. Select an investment account in Internet Banking 
  2. Click on 'Investment report' 
  3. View your portfolio and results in your Investment Dashboard.
Wealth Dashboard

We also keep you updated in other ways:

  • Investment report This quarterly report includes information on the following: 
  • Your actual return, compared with the benchmark for your profile 
  • The transactions in the past quarter 
  • The allocation of your assets across the asset classes 
  • An explanation of the investment policy in the past quarter 
  • Digital Portfolio Management newsletter
    You will receive our monthly digital newsletter, which explains the investment choices made by our specialists. 
  • Annual statement for tax purposes
    The bank will send you an annual statement for tax purposes showing the value of your assets that you need to report in your tax return.

What does this mandate comprise?

A broadly diversified portfolio consisting mainly of investment funds selected by our investment experts from a global range. The investment platform provides access to a wide range of investment funds and fund managers.

  • Equity funds
    Equity funds invest in a specific region or focus on a specific type of company, such as companies with potential for growth or companies that pay a high dividend. 
  • Bonds
    You can choose to invest part of your portfolio in bonds as they have a relatively low risk. The bonds we offer have varying credit ratings and terms to maturity. 
  • Other investments
    This category currently consists of an impact fund with investments that include microloans, renewable energy projects and loans for students from developing countries. Investments are also made in the FMO Impact Fund.
    Impact funds are funds in which the balance between people, the environment and society is considered to be just as important as aiming for financial returns. They often invest with the specific aim of helping to bring about this balance.
  • Liquid assets
    Liquid assets are held in an account that pays interest. This account is covered by the deposit guarantee scheme.

Sustainability

Socially responsible investing is an important principle at ABN AMRO. Some investments (such as investments in companies that produce tobacco, cluster bombs and landmines) are completely excluded from all our investment concepts. 

With regard to 'tobacco', we differentiate between the production of tobacco and the sale of tobacco. ABN AMRO does not allow investments in producers of tobacco, whereas companies that ship cigarettes, and supermarkets that sell tobacco products, are not excluded.

Termination

You can stop using our Portfolio Management service at any time without paying any termination fees.

Uw adviseur is er voor u

Your Investment Adviser

Do you have a question, or do you want to know how your investments are doing? Your Investment Adviser will be happy to provide the information you want. This means you are able to form a clear picture of your invested assets at any time.

View the other Portfolio Management mandates

Multi-Manager Mandate

  • Invest in a large number of investment funds from around the world 
  • Benefit from the expertise of our own fund managers 
  • Our mandate with the widest range of investment possibilities

Comfort Income Mandate

  • Investing with a focus on dividend payments 
  • Benefit from an additional source of income 
  • Use dividends to supplement your income or pension

Investing entails risks

Investing entails risks. You could lose (some of) the money you invested. If you are going to invest, it is important that you are aware of this. Invest with money you can spare. Keep a buffer for unforeseen circumstances.