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ABN AMRO

Structured Products Advice

Balance between protection and the chance of returns

Structured Products Advice

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  • An alternative to direct investment in shares and bonds
  • Capital protection products
  • For novice investors with an investment horizon of at least 3 years

As an investor, perhaps you find a direct investment in shares or bonds too risky and you are looking for a balance between protection at maturity and the chance of (limited) returns. Your investment adviser can help you build a diverse portfolio with structured products. You will be advised on which structured products are best suited to you.

Information and conditions

What is Structured Products Advice?

Structured products are investment products that consist of a combination of different investment products. A 'FIX-Plus' Note is the combination of a bond ('FIX') with an option ('Plus'). A 'FIX-Plus' Note to a certain degree protects your deposit at maturity, whilst offering you the chance of a return. Together with your investment adviser, you determine your personal investment plan. The aim is to build a diverse portfolio of structured products with capital protection. We call this Structured Product Advice.

On the basis of the plan you have drawn up together, you will then be informed of suitable investment options. Together with your adviser, you can then determine whether an investment in structured products may be of interest to you. Your investment adviser will help you build a portfolio, spread according to the issuer and maturity within the Structured Product Advice investment form.

All investment options selected by ABN AMRO are subject to extensive analysis. Your adviser will discuss with you the advantages, disadvantages and risks of each investment offered.

Who is this for?

Structured Product Advice is for investors with free investment capital of over € 1,000,000. You have a long investment horizon and understand the characteristics of a FIX-Plus Note. In addition, perhaps you find a direct investment in shares or bonds too risky and you are looking for a balance between protection at maturity and the chance of (limited) returns.

Before you can get into Structured Product Advice, you need to pass an additional knowledge test.

What are the investment possibilities?

In cooperation with various issuers, ABN AMRO offers the opportunity to invest with capital protection. These investments have a minimum capital protection level of 95% to a maximum of 100% of the investment. You and your adviser determine the desired level of capital protection in advance. Your risk is therefore limited to a maximum of 5% at maturity of a FIX-Plus Note. In addition to this capital protection, (limited) returns can be achieved when the value of the underlying investment, usually a stock index, has risen at maturity compared to the index value at inception. If this value has decreased, you will only receive the protected value back. How much the extra return is at maturity is determined by the participation rate. The participation rate indicates the percentage you participate in the increase in value of the underlying investment at maturity.

If you want to terminate the FIX-Plus Note prematurely - i.e. before maturity - you can. However, the capital protection does not apply in this case; it only applies at maturity.

More information about the features of a FIX-Plus Note can be found in the brochure.

How will I be kept informed about my investments?

You will always be well informed about your investment portfolio through various sources of information. We also keep you periodically informed of current developments in the market, and where necessary, your investment adviser will contact you.

  • Asset reporting
  • Every quarter, you will receive an extensive analysis of your investment portfolio and the results achieved by post or digitally via Internet Banking. In addition, you will receive an annual overview for your tax return.
  • Annual review
  • Periodically, you will discuss your investment plan and its appropriateness with your adviser. On the basis of this periodic discussion, you can determine together whether you will continue on your chosen path or adjust your plan.
  • Power dashboard
  • The secure environment of Internet Banking gives you insight into your investment portfolio 24 hours a day, 7 days a week.
  • Mobile Banking
  • The app gives you insight into current share prices and your investment portfolio anytime, anywhere via your smartphone or tablet. Read more about Mobile Banking.
  • Comprehensive investment information
  • Comprehensive investment information, research and calculation tools can be viewed via the secure environment of Internet Banking, via this site and in the Financial Focus. Read more about Internet Banking.
  • Up-to-date investment information.
  • Depending on market developments, you will receive quarterly updates on important topics for your portfolio. Based on the investment outlook, we will also send you an Advice Portfolio. If action is required, you will receive an alert. Your investment adviser will then contact you by telephone.
How do I make a transaction?

You pass on your investment orders via your investment adviser. Your adviser will give you appropriate advice.

What are the rates?

For Structured Product Advice, you pay consultancy fees and transaction costs. In certain situations, you also pay other costs. We will inform you in advance. The rates can be found in the rate table. On the rates page you will find more information about the rates. You will also find calculation examples there that will give you an indication of the total annual costs associated with the type of investment you have chosen. We call this 'Clear cost investing'. View the fees or calculate your annual investment costs here.

Investing involves risks

You should only invest capital that you have over and above your buffer for unforeseen expenses. Investing can be interesting, but it is not without risk. You may lose (a part of) your deposit. It is good to be aware of this. We advise you to only invest in investment products that match your risk appetite, investment objectives and knowledge and experience. We have listed the most common investment risks for you.

Summary

In short:

  • Balance betwee protection and the chance of returns
  • Also suitable for novice investors with a long investment horizon
  • Investing with your personal investment adviser
  • Advice aimed at building a diverse portfolio with reputable international issuers
  • Periodic reports

Information and conditions

What is Structured Products Advice?
Who is this for?
What are the investment possibilities?
How will I be kept informed about my investments?
How do I make a transaction?
What are the rates?
Investing involves risks
Summary

What is Structured Products Advice?

Structured products are investment products that consist of a combination of different investment products. A 'FIX-Plus' Note is the combination of a bond ('FIX') with an option ('Plus'). A 'FIX-Plus' Note to a certain degree protects your deposit at maturity, whilst offering you the chance of a return. Together with your investment adviser, you determine your personal investment plan. The aim is to build a diverse portfolio of structured products with capital protection. We call this Structured Product Advice.

On the basis of the plan you have drawn up together, you will then be informed of suitable investment options. Together with your adviser, you can then determine whether an investment in structured products may be of interest to you. Your investment adviser will help you build a portfolio, spread according to the issuer and maturity within the Structured Product Advice investment form.

All investment options selected by ABN AMRO are subject to extensive analysis. Your adviser will discuss with you the advantages, disadvantages and risks of each investment offered.

Who is this for?

Structured Product Advice is for investors with free investment capital of over € 1,000,000. You have a long investment horizon and understand the characteristics of a FIX-Plus Note. In addition, perhaps you find a direct investment in shares or bonds too risky and you are looking for a balance between protection at maturity and the chance of (limited) returns.

Before you can get into Structured Product Advice, you need to pass an additional knowledge test.

What are the investment possibilities?

In cooperation with various issuers, ABN AMRO offers the opportunity to invest with capital protection. These investments have a minimum capital protection level of 95% to a maximum of 100% of the investment. You and your adviser determine the desired level of capital protection in advance. Your risk is therefore limited to a maximum of 5% at maturity of a FIX-Plus Note. In addition to this capital protection, (limited) returns can be achieved when the value of the underlying investment, usually a stock index, has risen at maturity compared to the index value at inception. If this value has decreased, you will only receive the protected value back. How much the extra return is at maturity is determined by the participation rate. The participation rate indicates the percentage you participate in the increase in value of the underlying investment at maturity.

If you want to terminate the FIX-Plus Note prematurely - i.e. before maturity - you can. However, the capital protection does not apply in this case; it only applies at maturity.

More information about the features of a FIX-Plus Note can be found in the brochure.

How will I be kept informed about my investments?

You will always be well informed about your investment portfolio through various sources of information. We also keep you periodically informed of current developments in the market, and where necessary, your investment adviser will contact you.

  • Asset reporting
  • Every quarter, you will receive an extensive analysis of your investment portfolio and the results achieved by post or digitally via Internet Banking. In addition, you will receive an annual overview for your tax return.
  • Annual review
  • Periodically, you will discuss your investment plan and its appropriateness with your adviser. On the basis of this periodic discussion, you can determine together whether you will continue on your chosen path or adjust your plan.
  • Power dashboard
  • The secure environment of Internet Banking gives you insight into your investment portfolio 24 hours a day, 7 days a week.
  • Mobile Banking
  • The app gives you insight into current share prices and your investment portfolio anytime, anywhere via your smartphone or tablet. Read more about Mobile Banking.
  • Comprehensive investment information
  • Comprehensive investment information, research and calculation tools can be viewed via the secure environment of Internet Banking, via this site and in the Financial Focus. Read more about Internet Banking.
  • Up-to-date investment information.
  • Depending on market developments, you will receive quarterly updates on important topics for your portfolio. Based on the investment outlook, we will also send you an Advice Portfolio. If action is required, you will receive an alert. Your investment adviser will then contact you by telephone.

How do I make a transaction?

You pass on your investment orders via your investment adviser. Your adviser will give you appropriate advice.

What are the rates?

For Structured Product Advice, you pay consultancy fees and transaction costs. In certain situations, you also pay other costs. We will inform you in advance. The rates can be found in the rate table. On the rates page you will find more information about the rates. You will also find calculation examples there that will give you an indication of the total annual costs associated with the type of investment you have chosen. We call this 'Clear cost investing'. View the fees or calculate your annual investment costs here.

Investing involves risks

You should only invest capital that you have over and above your buffer for unforeseen expenses. Investing can be interesting, but it is not without risk. You may lose (a part of) your deposit. It is good to be aware of this. We advise you to only invest in investment products that match your risk appetite, investment objectives and knowledge and experience. We have listed the most common investment risks for you.

Summary

In short:

  • Balance betwee protection and the chance of returns
  • Also suitable for novice investors with a long investment horizon
  • Investing with your personal investment adviser
  • Advice aimed at building a diverse portfolio with reputable international issuers
  • Periodic reports

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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ABN AMRO

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We are available on business days between 09.00 and 17.00 to exchange ideas.

+31 (0)20 343 43 33