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Your investments as a source of income

Comfort Income Mandate

Comfort Income Mandate

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  • Passive and active investment focused on dividend payments
  • Diversification through investment in index funds and ETFs
  • Investing in Passive Funds, which results in lower management costs
  • From € 50,000.00

What is the Comfort Income Mandate?

The Comfort Income Mandate aims to generate income from your investments. This income consists of dividends paid by all underlying funds. This allows you to supplement your income or pension with additional income every month.

Our portfolio managers distribute the income on your investments (dividend) to you. You use your capital to generate additional income, without the need to sell investments. You pay dividend tax on your distributed dividends. The Mandate is set up in such a way that you benefit from favourable Dutch tax treaties. There is of course always the risk that the dividends will be disappointing. Within this mandate, we ensure diversification by investing in various index funds and ETFs. Since fewer transactions are made, this mandate has the lowest management costs of the mandates we offer.

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 Comfort Income Mandate

In this mandate, the focus is on investment funds that pivot towards investments with a high dividend payment and Exchange Traded Funds (ETFs). ETFs are investment funds that track investments from an index in the same proportions at a low cost. The payments are spread over the year. You can invest with more than € 50,000.

What does this mandate consist of?

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.

Costs

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.

Calculation example: insight into management costs and returns achieved

Petra makes use of the “Asset Management Comfort Income Mandate” form of investment. She is an investor with a moderately offensive risk profile. The value of her investment portfolio is € 100,000. Last year (2023) her total annual costs were approximately:
 
Type of costs  Amount  Percentage

Costs for investment services (incl. VAT)

€ 1,090.00

1.09%

Product costs (ongoing costs & transaction costs in the funds)

€ 410.00

0.41%

Total costs

€ 1,520.00

1.50%

Net return (after deduction of all costs)

€ 9,750.00

9.75%

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.

Returns achieved after deduction of the management costs
 
This table gives you an overview of the net returns achieved in the past 5 years under the Comfort Income Mandate.
 
Risk 2019 2020 2021 2022 2023 since 2019

Defensive

7.3%

0.3%

4.3%

-12.45%

7.28%

5.4%

Moderately defensive

10.4%

-0.2%

9.0%

-12.28%

8.46%

14.2%

Moderately offensive

15.1%

-0.7%

15.3%

-11.74%

9.75%

27.6%

Offensive

19.7%

-1.3%

21.1%

-11.85%

11.65%

40.8%

Very offensive

22.4%

-2.0%

25.7%

-10.59%

12.33%

51.5%

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.

Example calculation for dividend yields

This table gives you an overview of the dividend yields achieved in the past 5 years under the Comfort Income Mandate.
Here you see the net dividend yields, which means that tax has already been withheld on the dividend payments.
 
Risk  2017 2018 2019 2020 2021 2023

Defensive

1.31%

1.26%

1.15%

1.45%

1.43%

1.57%

Moderately defensive

1.65%

1.60%

1.49%

1.78%

1.64%

1,86%

Moderately offensive

2.04%

2.02%

2.00%

2.22%

1.90%

2.14%

Offensive

2.42%

2.42%

2.54%

2.73%

2.07%

2.54%

Very offensive

2.54%

2.64%

2.75%

2.34%

1.67%

2.39%

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.

In the example calculation, we use the in the Netherlands generally applicable dividend tax rate of 15%. This rate may be different in your situation, for example, if you receive dividend payments from foreign equities. Tax rates can also change in the future.
Tax rates can also change in the future.
 
Source: ABN AMRO Asset Management, composite returns from 01/01/2017 to 31/12/2021. Result after tax, after the deduction of all costs. This concerns the results of the model portfolio, which can deviate from the returns of your personal 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 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

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

Learn more about Asset Management risks and terms and conditions

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

More information and conditions

Features of the Comfort Income Mandate
What does this mandate consist of?
Costs
Calculation example: insight into management costs and returns achieved
Example calculation for dividend yields
Sustainability information
Learn more about Asset Management risks and terms and conditions

Features of the Comfort Income Mandate

In this mandate, the focus is on investment funds that pivot towards investments with a high dividend payment and Exchange Traded Funds (ETFs). ETFs are investment funds that track investments from an index in the same proportions at a low cost. The payments are spread over the year. You can invest with more than € 50,000.

What does this mandate consist of?

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.

Costs

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.

Calculation example: insight into management costs and returns achieved

Petra makes use of the “Asset Management Comfort Income Mandate” form of investment. She is an investor with a moderately offensive risk profile. The value of her investment portfolio is € 100,000. Last year (2023) her total annual costs were approximately:
 
Type of costs  Amount  Percentage

Costs for investment services (incl. VAT)

€ 1,090.00

1.09%

Product costs (ongoing costs & transaction costs in the funds)

€ 410.00

0.41%

Total costs

€ 1,520.00

1.50%

Net return (after deduction of all costs)

€ 9,750.00

9.75%

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.

Returns achieved after deduction of the management costs
 
This table gives you an overview of the net returns achieved in the past 5 years under the Comfort Income Mandate.
 
Risk 2019 2020 2021 2022 2023 since 2019

Defensive

7.3%

0.3%

4.3%

-12.45%

7.28%

5.4%

Moderately defensive

10.4%

-0.2%

9.0%

-12.28%

8.46%

14.2%

Moderately offensive

15.1%

-0.7%

15.3%

-11.74%

9.75%

27.6%

Offensive

19.7%

-1.3%

21.1%

-11.85%

11.65%

40.8%

Very offensive

22.4%

-2.0%

25.7%

-10.59%

12.33%

51.5%

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.

Example calculation for dividend yields

This table gives you an overview of the dividend yields achieved in the past 5 years under the Comfort Income Mandate.
Here you see the net dividend yields, which means that tax has already been withheld on the dividend payments.
 
Risk  2017 2018 2019 2020 2021 2023

Defensive

1.31%

1.26%

1.15%

1.45%

1.43%

1.57%

Moderately defensive

1.65%

1.60%

1.49%

1.78%

1.64%

1,86%

Moderately offensive

2.04%

2.02%

2.00%

2.22%

1.90%

2.14%

Offensive

2.42%

2.42%

2.54%

2.73%

2.07%

2.54%

Very offensive

2.54%

2.64%

2.75%

2.34%

1.67%

2.39%

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.

In the example calculation, we use the in the Netherlands generally applicable dividend tax rate of 15%. This rate may be different in your situation, for example, if you receive dividend payments from foreign equities. Tax rates can also change in the future.
Tax rates can also change in the future.
 
Source: ABN AMRO Asset Management, composite returns from 01/01/2017 to 31/12/2021. Result after tax, after the deduction of all costs. This concerns the results of the model portfolio, which can deviate from the returns of your personal 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 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

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

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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