Discretionary management

R-Gestion is for investors wishing to benefit from the expertise of our discretionary fund management specialists. When you call on our services, you benefit from a personal advisor who will keep you up-to-date with what’s happening with your portfolio. Your assets are managed according to your risk profile and the selected discretionary management strategy. In addition, you will receive quarterly our ‘Investors’ Outlook’ publication and a statement of various performance indicators and tax reporting on the position of your assets in our books.

You will have access to our ‘investor hotline’ and substantial price privileges.

The Sustainable Directive is intended for investors with a medium or long-term investment objective who wish to invest in funds with a positive ecological or social impact.

Qualifying threshold: €125,000

More information about sustainability here.

Preferential rates

Pricing benefits

Stock market orders: 50% discount on the standard rate
Tax reporting: free of charge

Other benefits

A personal advisor
Access to our ‘investor hotline’
Our quarterly ‘Investors’ Outlook’ brochure with all the latest news and our macroeconomic view
A quarterly statement of various performance indicators

Rates

Standard rate

Annual management fee: 0.50% p.a. + VAT (Discount for OPERA PLUS members: 10%)

Performance rate

Annual management fee: 0.30% p.a. + VAT (Discount for OPERA PLUS members: 10%)
Performance fee - only applicable if net performance > 2%:(net performance - 2%) x 0.10 p.a. + VAT

Our service explained by our Private Banking advisors

R-Gestion

Our directives

Benchmark indices

The benchmark indices had been defined for each asset class composing the portfolio. The different indices allow the calculation of a global index per investment directive. The quarterly performance of the R-Gestion portfolio is compared to the performance of this global index.

The below scheme contains the different indices per asset class for each investment directive.

The benchmark indices may be identical for several investment directives, but the allocation varies from one strategy to another.

A written plan describing the measures that shall be taken in case of a substantial amendment or disappearance of the indices is constantly kept up to date.

Structure by asset class	Benchmark indices
Cash & Equivalents	FTSE 1 Month Eurodeposit EUR
Bonds	Bonds EUR (Bloomberg Euro Aggregate) Global Bonds (Bloomberg Global Aggregate EUR-hedged) High Yield Bonds (ICE BofAML Global High Yield EUR-hedged) Emerging Markets Bonds (JPM EMBI Diversified EUR-hedged)
Equities	Europe Equities (MSCI Europe NR) Global Equities (MSCI World NR) Emerging Markets Equities (MSCI EM NR)

Structure by asset class

Benchmark indices

Cash & Equivalents

FTSE 1 Month Eurodeposit EUR

Bonds

Bonds EUR (Bloomberg Euro Aggregate)

Global Bonds (Bloomberg Global Aggregate EUR-hedged)

High Yield Bonds (ICE BofAML Global High Yield EUR-hedged)

Emerging Markets Bonds (JPM EMBI Diversified EUR-hedged)

Equities

Europe Equities (MSCI Europe NR)

Global Equities (MSCI World NR)

Emerging Markets Equities (MSCI EM NR)

Sustainability-related disclosures

Information about the entity as a Financial Market Participant (FMP)	Brief explanation
Sustainability risk policy	This policy explains how sustainability risks are integrated into the investment decision-making process.
Consideration of principal adverse sustainability impacts	This document explains the due diligence policies and approaches to consider principal adverse impact of investment decisions on sustainability factors.
Statement on principal adverse impacts of investment decisions on sustainability factors	This statement is published on a yearly basis and showcases the actions taken throughout the year to consider the principal adverse impact of the Bank’s investment decisions on sustainability factors.
Remuneration policy	The Bank is currently revising its remuneration policy.

Information about the financial products as a Financial Market Participant (FMP)
Product disclosures	Product classification	Environmental or social characteristics or the sustainable investment objective of the financial product	Overview of changes in the website disclosures for each financial product	Website disclosures	Precontractual disclosures	Reporting
Aggressive	Article 8 hybrid	The environmental and social characteristics promoted by the financial product consist respectively of: Supporting climate action, and Protecting basic human needs.	Summary of changes compared to the last version of January 2023	PDF	PDF	PDF
Dynamic	Article 8 hybrid	The environmental and social characteristics promoted by the financial product consist respectively of: Supporting climate action, and Protecting basic human needs.	Summary of changes compared to the last version of January 2023	PDF	PDF	PDF
Balanced	Article 8 hybrid	The environmental and social characteristics promoted by the financial product consist respectively of: Supporting climate action, and Protecting basic human needs.	Summary of changes compared to the last version of January 2023	PDF	PDF	PDF
Defensive	Article 8 hybrid	The environmental and social characteristics promoted by the financial product consist respectively of: Supporting climate action, and Protecting basic human needs.	Summary of changes compared to the last version of January 2023	PDF	PDF	PDF
Sustainable	Article 9	The financial product has a sustainable investment objective which, on the environmental side, aims to support climate action and, on the social side, to protect basic human needs.	Summary of changes compared to the last version of January 2023	PDF	PDF	PDF