Your investments as a source of income

The broadly diversified portfolio consists mainly of investment funds selected by our investment experts from a worldwide range. The investment platform provides very broad access to investment funds and fund managers.

• Equity Funds
  The equity funds invest in a region or focus on a certain type of company. For this mandate these are companies with a high dividend payment and ETFs.
  
• Bonds
  Bonds can be chosen for part of the portfolio because of the relatively low risk. Bonds with different credit ratings and different maturities are used.
  
• Other investments
  Alternative investments often react differently to market developments than equities and bonds. That is why our investment experts have the option of including them in your portfolio.
  
• Other investments
  Alternative investments often react differently to market developments than equities and bonds. That is why our investment experts have the option of including them in your portfolio.
  
• Liquidities
  These are in an interest-bearing account. The deposit guarantee scheme applies to this account. 

Information Card

You can find a cost overview of all our investment products here.

This is what you pay us

You pay costs for our services, such as managing your portfolio. You 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 management costs either. What you pay depends on your risk profile: the costs amount to between 0.97% and 1.21% 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

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 set in the price of the investment fund. The ongoing costs can be found in the Key Investor Information Document (KIID) of the relevant investment fund. Other examples of costs you pay to other parties are transaction costs in the fund, entry and exit costs and the effects of swing pricing. Please note: there may be other additional costs, therefore always refer to the Key Investor Information Document for the relevant product.

You can find more information about the costs here: (PDF)

Information Card

You can find a cost overview of all our investment products here.

Source: 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.

Source: ABN AMRO Asset Management, composite returns from 01/01/2019 to 31/12/2023. Result based on the geometric calculation method and 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.

With an investment of € 100,000 in a moderately offensive risk profile, you would have received 2.14% in dividend payments in 2023. This equates to an amount of € 2,140.

Sustainability is important in ABN AMRO’s investment services, which is why we also apply this within the Comfort Income 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.

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 Comfortable Income Mandate

Precontractual disclosure template Comfortable Income Mandate

Product level related sustainability information Comfortable Income Mandate

Sample Report Comfort Income Mandate

Statement of adverse effects on sustainability

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.

Read the full statement here

For more information about Asset Management, please refer to the following pages:

• Terms and conditions of Asset Management
• Risks of Asset Management
• General information about Asset Management