investing your own way

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Self-directed Investing, Investing with Advice, Let the Bank Invest For You

Self-directed Investing, Investing with Advice, Let the Bank Invest For You

An introduction to investingWhat is it and how does it work? 4

You want to investWhat kind of investor are you? 6

Ways of investingWhich way of investing suits you best? 6

Investing independently, without advice Pursuing your investment goals on a fully independent basis. 8

Investing with advice from the bank Shaping your investment portfolio with the help of your advisor. 9

Let the Bank Invest For You Leaving the investment of your capital to an ABN AMRO portfolio manager. 11

You can always count on us for helpHow can you make use of our expertise? 12

Convenience and service assuredWe’ll provide all the support you need. 13

Information and adviceYou can reach us any time. 14

What is investing? Investing involves buying and selling investment products.

Investment products are things such as shares and bonds,

which are bought and sold on exchanges. The value of

an investment product depends on various factors,

including supply and demand. If the demand is greater than

the supply, the value of the investment product goes up.

If supply exceeds demand, the value falls.

By investing, you may be able to get a higher return on

your money than you can by saving. However, investing

involves more risk than saving.

Know what you’re investing forBefore you start investing, it’s important to be clear about

a number of things. What are your financial circumstances?

What do you aim to achieve by investing? How much risk

can you afford to take? How much risk are you inclined

to take? How much knowledge and experience of investing

do you have? Every investor should think those questions

over carefully.

Minimise the risk by spreading your investments Investing always involves some risk. However, you can

keep the risk down by having a varied investment portfolio.

Take your time Patience is a virtue, especially when it comes to investing.

The period that you invest for is called your investment

horizon. The longer your investment horizon, the bigger the

chance that there will be good years to make up for any

bad ones.

Learn more about investingIf you’d like to learn more about investing, we advise you

to check out the Investors Academy (Beleggers Academy,

just in dutch) – ABN AMRO’s electronic learning environment.

The Investors Academy has interactive learning modules

about investing for both new investors and those with

more experience. To see what the Investors Academy can

offer, visit abnamro.nl/academy

When you invest, you incur costs. Details are available

from abnamro.nl/tarievenbeleggen and are also given on

the Fees Information Sheets.

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A wise investor has a long-term vision and decides in advance how much risk to take.

an introduction to investing

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you want to invest

2. Investing with Advice

Do you prefer to talk to an expert before making your

investment decisions? If you do, the best option is likely

to be Investing with Advice. With this type of investment,

we give you advice that is tailored to the risk profile you’ve

chosen. You can either talk to your advisor or check out our

advice on line. Either way, it’s always entirely up to you

what you do with our advice. Turn to page 9 for details.

3. Let the Bank Invest For You

Do you like the idea of investing, but feel unsure about

making your own investment decisions? And do you have

more than €100,000 to invest? In that case, we suggest

that you leave the management of your investment

portfolio to our experienced and professional portfolio

managers. They will take good care of your capital and

actively manage your assets. Active management involves

maintaining a careful balance between the various asset

categories (equities, fixed income, property and liquidities)

within your investment portfolio and adjusting the mix in

line with the latest market developments. In that way, they

ensure that your investments always reflect your chosen

risk profile. Turn to page 11 for details.

Know what kind of investor you areIf you plan to start investing, you should first decide what

kind of investment options investor you are. ABN AMRO

offers several ways investing:

1. Self-directed Investing

2. Investing with Advice

3. Let the Bank Invest For You

Within those three basic approaches, there are various in-

vestment options. We’d be pleased to help you choose a

way of investing that’s right for you. This booklet describes

the investment options that we offer.

Ways of investing

1. Self-directed Investing Are you at home in the world of investing and do you like

to follow your own route? Do you have experience of

investing and would you like to invest independently, on

your own initiative? Are you happy to manage without

our advice, so that you keep the cost to the minimum?

And do you prefer to keep your investments under your

own control? If so, Self-directed Investing is probably best

for you. With Self-directed Investing, you submit your own

orders. We provide you with extensive and up-to-date

investment information, which you use to play the market

in the way you choose. With Self-directed Investing, you

chart your own course. Turn to page 8 for details.

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Get a good return by taking opportunities and managing risks.

Costs and returnsWhen you invest, you incur certain costs. Sometimes your

costs can reduce what you earn considerably. Investing

always involves risk. It is therefore very important to think

carefully about whether investing is something you should

do, or continue doing. For some people, saving is a better

option.

Your investor profile What risks can you afford to take and what risks are you

inclined to take? To help you consider, visit abnamro.nl/

beleggersprofiel and complete the investor profile

questionnaire. Or call in and go through the questionnaire

with one of our advisors. The questions relate to:

▶ Your financial circumstances: your income and capital

▶ Your investment goals: what you want to achieve

by investing

▶ Your attitude to risk: how much risk you can afford

to take and are inclined to take

▶ Your knowledge and experience of investing

From your responses, we can determine your risk profile

and get a picture of your knowledge and experience.

ABN AMRO has a suitable risk profile for every investor.

If investing is the right thing for you, you will be able to

choose from six risk profiles, ranging from very defensive

(low risk) to very offensive (high risk) and everything in

between. Your risk profile is matched to your circumstances

and forms the basis for your investment decisions.

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Calculate your expected returnIf you’d like to know how much money you can expect

to make by investing, or how much you need to invest

in order to get a particular return, visit

abnamro.nl/rendementscalculator Our Return Calculator

provides neutral, optimistic and pessimistic forecasts of

how the value of your investments may develop.

Self-directed Investing Within Self-directed Investing, we offer two options:

Self-directed Investing and Self-directed Investing Plus.

With both variants, you invest independently, without the

advice of an advisor. If you take an interest in investing but

don’t require background and analyses, Self-directed

Investing may be right for you. Or perhaps you feel at

home in the world of investing and like to follow your own

route, checking the indexes and doing your own analyses?

Then Self-directed Investing Plus may be the better option.

With Self-directed Investing Plus, you have access to

My Dealing Room (Mijn Dealingroom): a personalised

digital environment, where you can follow the prices and

perform technical analyses. Using My Dealing Room helps

you to respond quickly to developments in the financial

markets. With Self-directed Investing Plus, you receive

extensive price data and a range of useful tools.

If you choose Self-directed Investing, you pursue

your investment goals on a purely independent basis.

Where and when it suits you.

investing independently, without advice

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Would you like to know more?For details of Self-directed Investing and the associated

costs and charges, check the Information Sheets or visit

abnamro.nl/beleggen and abnamro.nl/tarievenbeleggen

Make your own investment decisions without help or advice from an advisor.

Investing with Advice If you opt to receive investment advice from ABN AMRO,

we provide guidance on shaping your investment portfolio,

but leave the final decisions to you. You move towards your

investment goals with us at your side. And you can always

be sure of help and advice from our experienced advisors.

Advice options Our Investing with Advice service offers you five options.

Depending on how much capital you are available to invest

and how actively involved you want to be, you can choose

from Profile Fund Investing, Fund Advice, Fund Advice Plus,

Investment Advice or Investment Advice Active. With Fund

Advice, Fund Advice Plus and Investment Advice, our advice

can be provided through your advisor or made available on

line. Whether you act on our advice is up to you. Your advisor

will help you make sure that your investments match your

chosen risk profile. The five options of Investing with Advice

are outlined below.

1. Profile Fund Investing

With Profile Fund Investing, the minimum investment is

just € 1.000 or € 50 per month. If you take this option, your

available capital is optimally divided across four asset cate-

gories: equities, fixed income, property and liquidities. The

category mix is aligned with your personal preferences and

circumstances and always matches your risk profile. Six

Profile Funds are available, corresponding to the six risk

profiles.

investing with advice from the bank

2. Fund Advice or Fund Advice Online

With Fund Advice, you receive personal advice about the

investment funds operated by the best fund houses in the

world’s various economic regions. The advice can be

provided through your advisor or made available on line.

You use the advice you receive to help you choose about

ten investment funds that match your risk profile. Once a

month, we review your investment portfolio to make sure it

is still consistent with the policy that we advise. And, where

appropriate, we send you investment proposals. However,

it is also up to you whether you adjust your portfolio as we

advise. Your advisor will always discuss your investment

portfolio with you at least once a year. We recommend

Fund Advice to clients with more than € 25,000 to invest.

3. Fund Advice Plus or Fund Advice Plus Online

With Fund Advice Plus, you receive personal advice about

the investment funds operated by the best fund houses in

the world’s various economic regions. Fund Advice Plus

works on almost the same principles as Fund Advice.

However, Fund Advice Plus is intended for clients with

€ 100,000 or more to invest in an average of fifteen funds.

With Fund Advice Plus, portfolio reviews are arranged at

least twice a year. Our advice can be provided through

your advisor or made available on line.

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Work towards your investment goals with the help of your advisor.

4. Investment Advice or Investment Advice Online

Do you take an interest in the stock market and do you

have € 250,000 or more to invest? If so, Investment Advice

may be the option for you. With guidance from your

advisor, you define your investment strategy and build an

appropriate investment portfolio. Your advisor stays in

regular contact and advises you about attractive shares,

bonds, investment funds or certain other investment

products. Investment portfolio advice can be provided

through your advisor or made available on line.

5. Investment Advice Active

For active and experienced investors who follow the

financial markets and have at least € 100,000 to invest,

we suggest Investment Advice Active. An advisor in the

ABN AMRO dealing room is always on standby to give

you advice. Your advisor will also get in touch personally

at least once a month. The advisor acts as your sparring

partner when it comes to possible share, option or

Turbo trades.

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Would you like to know more?For details of Investing with Advice and the associated costs and

charges, check the Information Sheets or visit

abnamro.nl/beleggen and abnamro.nl/tarievenbeleggen

Let the Bank Invest For You Do you find it reassuring to know that ABN AMRO is

taking care of your investments? Perhaps you lack the

knowledge needed to invest independently, or you have to

delegate decision-making for professional reasons. If so,

you have the option of letting ABN AMRO invest your

money for you. With Portfolio Management, as it is known,

you leave management of your investment portfolio to our

experienced and expert portfolio managers.

let the bank invest for you

The role of your portfolio manager If you choose Portfolio Management, a reliable ABN AMRO

portfolio manager handles the investment of your capital,

taking account of your personal circumstances, investment

goals and attitude to risk. Your portfolio manager reacts to

market developments as they occur and provides you with

feedback on the performance of your investments. If ever

you need help or information between the scheduled

updates, your advisor is only a call or an e-mail away.

Would you like to know more?For details of Let the Bank Invest For You and the

associated costs and charges, check the Information

Sheets or visit abnamro.nl/beleggen and

abnamro.nl/tarievenbeleggen

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Leave the investment of your capital to an experienced and reliable portfolio manager.

Comprehensive support serviceWe provide various forms of support to help you invest

successfully. Use whichever forms suit you, whenever you

wish. As an ABN AMRO investor, you can always count

on us.

Hone your investment skills with the Investors Academy If you’d like to test your knowledge or learn more about

investing, why not try the learning modules in our

Investors Academy? The Academy is free to use and you

can find it at abnamro.nl/academy The modules are all

interactive and are regularly updated and extended.

Investment seminars We regularly organise seminars on investing. You can take

part in them on location or on line. The seminars involve

one-hour presentations, in which our specialists cover a

variety of investment themes. And, of course, you have

the opportunity to ask any questions you may have.

An excellent, modern way of boosting your knowledge.

you can always count on us for help

Live investment data All the latest stock market data are permanently available

on abnamro.nl/beurstrends. Everything you need to know

about stock market reports, updates to investment opinions

and developments in the performance of investment funds

are presented on screen as soon as they become available.

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Investing is about your money. We are therefore committed to giving you all the information and advice you need.

Lots of ways to stay in touchWe make investing easier by placing extensive information

on our website, providing support through an extensive

network of branches and giving you access to our

Investment Line. So you can interact with us through the

channel that suits you. And, whichever form of contact you

choose, you can be sure of excellent service. Our website

has won numerous accolades for being easy to use and

giving the information that visitors want. But the greatest

compliment we can ever receive is the compliment you

pay us when you choose to invest with us.

The next step Are you interested in investing and would you like to talk

to an advisor about getting started? Are you already an

investor, but thinking of changing the way you invest?

Are you ready to start investing now, or do you need a

second opinion about your existing investment portfolio?

Feel free to contact us for an appointment any time, via

any of the following routes:

▶ Visit abnamro.nl/beleggen

▶ Drop by one of our branches

▶ Call the Investment Line (0900 - 9215* from inside

the Netherlands).

▶ Make an appointment with one of our advisors

See abnamro.nl/contact for more information.

convenience and service assured

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When you invest with ABN AMRO, all the experience of a consulting bank is at your disposal.

AdviceIf you have questions or need advice about the different

ways of investing and investment options, please visit one

of our branches. Or call 0900 - 9215* (from within the

Netherlands) – lines are open:

▶ Monday to Friday from 8am to 10pm; and

▶ Saturday from 9am to 5.30pm.

* Call charges: for this call you pay your usual call charges set by your telephone provider.

information and advice

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There are lots of ways to reach ABN AMRO, 24 hours a day.

InternetVisit abnamro.nl/beleggen for detailed information about

ways of investing and investment options.

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General DisclaimerThe information provided in this document has been drafted by ABN AMRO Bank N.V. and is intended as general information and is not oriented to your personal situation. The information may therefore not expressly be regarded as a recommendation or as a proposal or offer to 1) buy or trade investment products and/or 2) procure investment services nor as investment advice. Decisions made on the basis of the information in this document are your own responsibility and at your own risk. The information on and conditions applicable to ABN AMRO-offered investment products and ABN AMRO investment services can be found in the ABN AMRO Investment Conditions (Voorwaarden Beleggen ABN AMRO) which are available on abnamro.nl/beleggen

About ABN AMROABN AMRO Bank N.V. has its registered office at Gustav Mahlerlaan 10, 1082 PP Amsterdam (the Netherlands). Tel.: 0900 - 0024*. Internet: abnamro.nl ABN AMRO Bank N.V. holds a banking licence from De Nederlandsche Bank N.V. (the Dutch central bank) and is included in the register of the Autoriteit Financiële Markten (AFM - Authority for the Financial Markets) under number 12000004. ABN AMRO Bank N.V. is regulated by the European Central Bank (ECB). ABN AMRO Bank N.V. is entered in the Trade Register of the Amsterdam Chamber of Commerce under number 34334259. The VAT identification number of ABN AMRO Bank N.V. is NL8206.46.660B01.

US Securities Law DisclaimerABN AMRO Bank N.V. (‘ABN AMRO’) is not a registered broker-dealer under the U.S. Securities Exchange Act of 1934, as amended (the ‘1934 Act’) and under applicable state laws in the United States. In addition, ABN AMRO is not a registered investment adviser under the U.S. Investment Advisers Act of 1940, as amended (the ‘Advisers Act’ and together with the 1934 Act, the ‘Acts’), and under applicable state laws in the United States. Accordingly, absent specific exemption under the Acts, any brokerage and investment advisory services provided by ABN AMRO, including (without limitation) the investment products and investment services described herein are not intended for U.S. persons. Neither this document, nor any copy thereof may be sent to or taken into the United States or distributed in the United States or to a US person. Without limiting the generality of the foregoing, the offering, sale and/or distribution of the investment products or investment services described herein is not intended in any jurisdiction to any person to whom it is unlawful to make such an offer, sale and/or distribution. Persons into whose possession this document or any copy thereof may come, must inform themselves about, and observe, any legal restrictions on the distribution of this document and the offering, sale and/or distribution of the investment products and investment services described herein. ABN AMRO cannot be held responsible for any damages or losses that occur from transactions and/or services in defiance with the restrictions aforementioned.

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