Individual shares and bonds
Classic Mandate
- Investing in a selection of individual shares, bonds and funds
- World-wide investments in recognisable, leading companies within their sectors
- Focused on long-term investments
- From € 500,000.00
What is the Classic Mandate?
Do you want to invest in top companies from which we expect the most? With the Classic Mandate, you opt for a broadly spread portfolio because you invest in individual equities and bonds, supplemented with investment funds. The Classic Mandate is possible for investment portfolios from € 500,000.00.
Investing involves risks. You can lose (a part of) your deposit.
Your asset manager takes the time to help you
Your assets are managed by a team of investment experts. Your asset specialist is in close contact with the team. Do you have a question or would you like to know how your investments are doing? Your asset specialist will gladly take the time to help you. In this way, you don’t have to worry about your investments, but always have insight and control.
More information and conditions
Features of the Classic Mandate
What does this mandate consist of?
Your portfolio is optimally divided between different asset classes. The emphasis is on equities and bonds.
- Shares
The portfolio of the Classic Mandate consists of 35 to 50 global companies with a good reputation. We select these shares based on a model. In this model, the valuation and the moment of action are the most important indicators. We then optimise the portfolio so that we arrive at the most favourable selection of equities in terms of risk and return. - Equities
The equity portfolio of the Classic Mandate consists of 35 to 50 global companies with a good reputation. We select these shares based on a model. In this model, the valuation and the moment of action are the most important indicators. We then optimise the portfolio so that we arrive at the most favourable selection of equities in terms of risk and return.
- Bonds
With a bond loan, a good balance between return and risk is the most important starting point. Our specialists therefore prefer bonds with a high credit rating. Spreading risk is also an important point of attention. In your portfolio, our specialists invest in government bonds and corporate bonds of various maturities. These may be supplemented with bond funds. The selected bonds are usually quoted in euros.
- Other investments in the Classic Mandate
Hedge funds and raw materials can also be part of your portfolio. These alternative investments often react differently to market developments than equities and bonds. As a result, these investments can reduce the risk in your investment portfolio. The portfolio managers can also opt for investment funds that invest in promising themes or regions. Finally, the portfolio managers can hold part of your assets in liquidities.
You can find a cost overview of all our investment products here.
Costs
This is what you pay us
You pay costs for our services, such as managing your portfolio. You therefore do not pay any additional costs for, for example, withdrawing money, changing mandates or risk profile. If you wish to stop making use of Asset Management, you will not pay any additional costs either. What you pay depends on your risk profile: the costs amount to between 1.21% and 1.39% of your invested capital per year (incl. 21% VAT).
Management costs
If you opt for Asset Management, you pay management costs on the value of your investment portfolio. The management costs include all costs incurred by ABN AMRO. This concerns costs for:
- the management of your investment portfolio;
- the administration of your investment portfolio;
- the investment information you receive; and
- the transactions (in euros).
This is what you pay to other parties
You pay the charges incurred by an investment fund. The ongoing costs of an investment fund include, for example, administration costs, management costs, marketing and distribution costs. These costs are included in the investment fund’s progress and are determined by the investment fund itself. The ongoing costs can be found in the Key Investor Information Document (KIID) of the relevant investment fund.
You can find a cost overview of all our investment products here.
Calculation example: insight into costs and returns achieved
Sjaak makes use of the “Asset Management Classic Mandate” form of investment. He is an investor with a moderately offensive risk profile. The value of his investment portfolio is € 500,000. Last year (2023) his total annual costs were approximately:
| Type of costs | Amount | Percentage |
|---|---|---|
Costs for investment services (incl. VAT) | € 6,350.00 | 1.27% |
Product costs (ongoing costs & transaction costs in the funds) | € 1,900.00 | 0.38% |
Total costs | € 8,250.00 | 1.65% |
Net return (after deduction of all costs) | € 53,800.00 | 10.76% |
ABN AMRO Asset Management, composite returns from 01/01/2023 to 31/12/2023. This concerns the results of the model portfolio, which may deviate from the returns of the individual customer portfolio. The value of your investments can fluctuate. Results achieved in the past offer no guarantee for the future.
Returns achieved after deduction of costs
This table gives you an overview of the net returns achieved in the past 5 years under the Classic Mandate.
| Risk | 2019 | 2020 | 2021 | 2022 | 2023 | since 2019 |
|---|---|---|---|---|---|---|
Defensive | 7.8% | 0.2% | 3.9% | -12.8% | 7.4% | 5.1% |
Moderately defensive | 11.2% | -0.2% | 8.3% | -12.6% | 9.0% | 14.5% |
Moderately offensive | 16.1% | -0.5% | 13.9% | -12.4%
| 10.8% | 27.8% |
Offensive | 21.3% | -0.5% | 19.3% | -12.8% | 13.4% | 42.3% |
Very offensive | 24.2% | -0.9% | 23.3% | -11.6% | 14.3% | 53.4% |
Source: ABN AMRO Asset Management, composite returns from 01/01/2019 to 31/12/2023. Result after deduction of all costs, after the deduction of all costs. This concerns the results of the model portfolio. These may deviate from the returns of your investment portfolio. The value of your investments can fluctuate. Results achieved in the past offer no guarantee for the future.
Sustainability information
Sustainability is important in ABN AMRO’s investment services, which is why we also apply this within the Classic Mandate. We exclude investments in companies that produce controversial weapons or tobacco, as well as avoid incorporating those companies into the portfolio that attach little importance to sustainability.
We use the Morningstar Sustainability methodology for this, which gives every company a sustainability score. Morningstar is a global leader in investment fund information. Morningstar is a global leader in investment fund information.
For our portfolio, we require that the average sustainability score for each fund is at least the average of comparable funds or higher. This gives you an investment portfolio that, in addition to the return, also has a view to sustainability.
Transparency integration sustainability risks Classic Mandate
Precontractual disclosure template Classic Mandate
Product level related sustainability information Classic Mandate
ABN AMRO MeesPierson takes into account the main negative consequences of investment decisions and advice on sustainability factors. Sustainability factors include environmental, social and employment issues, respect for human rights, and the fight against corruption and bribery. We adhere to the Sustainability Risk Policy Framework of ABN AMRO Bank NV (“ABN AMRO”). The Sustainability Risk Policy Framework is partly based on the various corporate responsibility codes and on internationally recognised sustainability standards or initiatives to which ABN AMRO adheres. In accordance with the Sustainability Risk Policy Framework and international standards, the following main negative sustainability impacts are taken into account:
- Violation of the 10 principles of the United Nations (“UN”) Global Compact;
- Controversies;
- CO2 emissions as an indicator of climate change.
Engagement is used to encourage companies within the investment universe to improve their business strategy and performance.
This also includes environmental, social and governance (“ESG”) aspects.
Learn more about Asset Management risks and terms and conditions
For more information about Asset Management, please refer to the following pages:
Investing involves risks
Investing involves 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. Read more about the risks associated with investments.
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