Built around you.

It’s all about making your money work hard for you while keeping you comfortable, regardless of market conditions. When you stay in your comfort zone, you’re less likely to make choice you might regret later. 

We see your Comfort Zone as having three dimensions: 

Upside potential: This is the reason we all invest – to achieve the best possible return!

Downside risk: We all know the value of investments can fluctuate. But we don’t all feel the same about losses – our comfort zones are different. If you suffer a loss outside of your comfort zone, you may turn your back on the market at the wrong time. We want to avoid this.

Time horizon: Your PRSA is a medium to long term investment. This means your chosen investment strategy usually has a reasonable chance to make good any losses along with way.

We’ve got your back on this one and will do the hard work for you. We’ll ask you a few financial questions to learn about your risk attitude and tolerance, your financial knowledge and to see how you feel about uncertainty. Then we can identify your risk profile, which is made up of two parts: 

Your Investor Profile:
Very Defensive
Defensive
Dynamic
Very Dynamic  

Your Loss Tolerance:
Careful
Balanced
Neutral
Progressive

We can then recommend the most suitable ExpertEase fund for your comfort zone, and we’ll also show you funds of similar risk levels. You’re involved without dedicating lots of time to picking and managing your funds – we’ll take care of that for you. We know that your attitude to risk or your financial situation can change at any time, so you’re free to switch your fund in-app at any stage, at no extra cost.

Each ExpertEase fund is built with three main blocks of balanced funds. Each block corresponds to an ‘investment signal’ that determines what percentage is allocated to equity, bonds and other assets (like cash or real estate). The weighting for each block/signal varies, differentiating the level of risk for each fund. 

Investment Signals

Each of our three signals or blocks strikes their own individual balance between upside potential and risk of loss. So each will behave differently within the same markets conditions.

Here’s more about the signals:

1. Fundamental analysis: Follows the KBC investment strategy and so is based on views taken by our economists and analysts on economic trends and outlook. Develops an optimum allocation of equity, bonds, cash etc. for each profile.

2. Trend signal: Seeks out trends in the recent performance of equity and bonds on a continuous basis. Builds up positions in the best-performing assets and reduces them in weaker ones.

3. Brake signal: Normally, this signal points to investing in equity and bonds in line with your risk profile. However, if the markets falls or it’s nervous, this will indicate a need to be more cautious and replace risky assets with less risky ones. 

Essentially, each signal strikes its own balance between upside potential and risk of loss. They can be invested differently under the same circumstances and may react differently to changing market conditions.

There’s a contribution charge of 2.5% on each contribution you make. However, the good news is that this charge doesn’t apply to pension transfers into your KBC Lifestyle Extra PRSA. The annual fund management charge for these portfolios ranges from 0.5% - 1.45% of the value of your PRSA. It’s calculated on a daily basis and reflected in your fund value. 

PortfolioAnnual Fund Management Charge

MyAutoinvest - 0.9%
ExpertEase Careful Defence - 0.95%
ExpertEase Balanced Defence - 1.35%
ExpertEase Progressive Defence - 1.35%
ExpertEase Balanced Approach - 1.40%
ExpertEase Progressive Approach - 1.40%
ExpertEase Progressive Opportunity - 1.45%
KBC Lifestyle Cash - 0.50%