Essential Mandate

Transparent investment through internal funds

Essential Mandate

  • Broad diversification
  • Focus on internal investment funds
  • Total transparency

A portfolio consisting of investment funds we manage in-house.

Mandate characteristics: 

The Essential Mandate consists of a selection of investment funds managed by ABN AMRO itself. Each of the underlying funds has its own characteristics. Because we are using internal funds, you will see the detailed composition of all the funds in your reports. Depending on market conditions and our strategy, the Portfolio Managers have several building blocks at their disposal to add accents. This results in a broadly diversified portfolio. The Essential Mandate is available in a capitalization or distribution version.

Uw vermogensbeheerder

Your Portfolio Manager

Your assets are managed by a team of Portfolio Managers. They constantly monitor macroeconomic developments and market conditions and adjust portfolios as necessary. If you have a question about the markets or would like to know how your investments are doing, your Portfolio Manager will be happy to make time for you. That way, you don't have to deal with your investments on a daily basis, but are always well-informed and in control.

More information and conditions

What the mandate comprises

  • Equity
    The equity component of the portfolio follows the sectoral and regional strategy of the Global Investment Committee. We use an internal equity fund for this purpose. Some 75 individual shares are selected for developed equity markets such as the US and Europe, while investments in emerging markets mainly use trackers and regional funds. Risks are spread thanks to the diversification of the equity fund, while tactical focus points can be used to increase returns.
  • Bonds
    The bond component of the portfolio is structured into two main blocks: the "High Quality" element is mainly focused on bonds that stand out due to their high credit ratings. These may be either government or corporate bonds, depending on the current strategic focal points. We can also vary the weighting of maturities by using bonds of different maturities. The primary goal of the "High Returns" part of the bond component is to achieve a rather higher return while keeping an eye on diversification and managing the risks taken.
  • Other investments 
    In order to further diversify the portfolio, the Portfolio Managers use a fund of funds. This fund consists of a dynamic selection of actively managed allocation funds (open architecture), each of which has its own investment policy. This combination of different styles aims to achieve an optimum spread of risk and return.
  • Cash
    Finally, the Portfolio Managers may hold some of your assets in cash. This cash may play an active role in the chosen strategy and allocation from time to time.
What is the investment approach?

The portfolios are actively managed according to the market conditions and in line with your risk profile. 
 
Our Portfolio Managers ensure the optimal allocation of your portfolio. They construct the portfolios based on the investment strategy defined by the Global Investment Committee. This strategy defines the preference for asset classes, regions, sectors and themes.
Risks

You should only invest with money that you have over, in addition to your buffer for unforeseen expenses. Investing can be interesting, but it also involves risks. You can lose (part of) your investment. It is good to be aware of this. Only invest in investment products that you understand. 

With Discretionary Portfolio Management, you do not make any investment choices yourself. Nevertheless, it is important that you are aware of the risks of investing. 

If you start with Discretionary Portfolio Management, it is important to first determine your risk profile. You leave the buying and selling to our experts, who will act within your risk profile.

Risk profiles

ABN AMRO uses six risk profiles for Discretionary Portfolio Management: from low risk (very defensive) to very high risk (very aggressive). Each risk profile has its own recommended allocation for the assets invested across shares, bonds, alternative investments and cash. 

Once you and your Private Banker have determined your risk profile, we can put together an appropriate investment portfolio. You will see immediately what this can mean for the return on your investments.

Read the  brochure ‘A closer look at your risk profile’ .

Insight to the invested capital

Various information sources provide you with information about your investment portfolio. In this way, we inform you about the composition of your portfolio, the return and our investment policy. In addition, your Portfolio Manager will review your portfolio with you once a year. 

  • Portfolio overview
    Your portfolio overview provides insight into the composition of your portfolio every quarter. You can also see the transactions during that quarter, the allocation among the various asset classes and the return. 
  • Online portfolio overview
    The secure environment of Digital Banking gives insight into your investment portfolio 24 hours a day, 7 days a week. 
  • Digital newsletter  
    You will receive a digital newsletter with an explanation of the investment choices on a quarterly basis. 
  • Investment information
    Depending on the market developments, you will receive updates on important events.
Fees

An all-in fee is charged for Discretionary Portfolio Management. 

These are costs relating to: 

  • managing your investment portfolio;
  • administration of your investment portfolio;
  • the investment information you receive; and
  • the transactions. 
Contact one of our Private Bankers to receive a personal quotation.
Deposits and withdrawals

Discretionary Portfolio Management allows you to manage your assets over the long term. You can make deposits or withdrawals at no extra cost, but the minimum investment for the mandate must always be maintained. Deposits and withdrawals may have an effect on achieving your investment goals. Ask your Portfolio Manager for advice.
Stopping

You can discontinue our Discretionary Portfolio Management at any time, free of charge, simply by writing to us.

More information and conditions

What the mandate comprises

  • Equity
    The equity component of the portfolio follows the sectoral and regional strategy of the Global Investment Committee. We use an internal equity fund for this purpose. Some 75 individual shares are selected for developed equity markets such as the US and Europe, while investments in emerging markets mainly use trackers and regional funds. Risks are spread thanks to the diversification of the equity fund, while tactical focus points can be used to increase returns.
  • Bonds
    The bond component of the portfolio is structured into two main blocks: the "High Quality" element is mainly focused on bonds that stand out due to their high credit ratings. These may be either government or corporate bonds, depending on the current strategic focal points. We can also vary the weighting of maturities by using bonds of different maturities. The primary goal of the "High Returns" part of the bond component is to achieve a rather higher return while keeping an eye on diversification and managing the risks taken.
  • Other investments 
    In order to further diversify the portfolio, the Portfolio Managers use a fund of funds. This fund consists of a dynamic selection of actively managed allocation funds (open architecture), each of which has its own investment policy. This combination of different styles aims to achieve an optimum spread of risk and return.
  • Cash
    Finally, the Portfolio Managers may hold some of your assets in cash. This cash may play an active role in the chosen strategy and allocation from time to time.

What is the investment approach?

The portfolios are actively managed according to the market conditions and in line with your risk profile. 
 
Our Portfolio Managers ensure the optimal allocation of your portfolio. They construct the portfolios based on the investment strategy defined by the Global Investment Committee. This strategy defines the preference for asset classes, regions, sectors and themes.

Risks

You should only invest with money that you have over, in addition to your buffer for unforeseen expenses. Investing can be interesting, but it also involves risks. You can lose (part of) your investment. It is good to be aware of this. Only invest in investment products that you understand. 

With Discretionary Portfolio Management, you do not make any investment choices yourself. Nevertheless, it is important that you are aware of the risks of investing. 

If you start with Discretionary Portfolio Management, it is important to first determine your risk profile. You leave the buying and selling to our experts, who will act within your risk profile.

Risk profiles

ABN AMRO uses six risk profiles for Discretionary Portfolio Management: from low risk (very defensive) to very high risk (very aggressive). Each risk profile has its own recommended allocation for the assets invested across shares, bonds, alternative investments and cash. 

Once you and your Private Banker have determined your risk profile, we can put together an appropriate investment portfolio. You will see immediately what this can mean for the return on your investments.

Read the  brochure ‘A closer look at your risk profile’ .

Insight to the invested capital

Various information sources provide you with information about your investment portfolio. In this way, we inform you about the composition of your portfolio, the return and our investment policy. In addition, your Portfolio Manager will review your portfolio with you once a year. 

  • Portfolio overview
    Your portfolio overview provides insight into the composition of your portfolio every quarter. You can also see the transactions during that quarter, the allocation among the various asset classes and the return. 
  • Online portfolio overview
    The secure environment of Digital Banking gives insight into your investment portfolio 24 hours a day, 7 days a week. 
  • Digital newsletter  
    You will receive a digital newsletter with an explanation of the investment choices on a quarterly basis. 
  • Investment information
    Depending on the market developments, you will receive updates on important events.

Fees

An all-in fee is charged for Discretionary Portfolio Management. 

These are costs relating to: 

  • managing your investment portfolio;
  • administration of your investment portfolio;
  • the investment information you receive; and
  • the transactions. 
Contact one of our Private Bankers to receive a personal quotation.

Deposits and withdrawals

Discretionary Portfolio Management allows you to manage your assets over the long term. You can make deposits or withdrawals at no extra cost, but the minimum investment for the mandate must always be maintained. Deposits and withdrawals may have an effect on achieving your investment goals. Ask your Portfolio Manager for advice.

Stopping

You can discontinue our Discretionary Portfolio Management at any time, free of charge, simply by writing to us.