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NN Strategy Options for Branche 23 / Tak 23

For a healthy balance of funds

Create additional security or dynamism based on your personal preferences and situation. With these options4, you can set up particular investing mechanisms and specify when they should come into effect.

For a healthy balance of funds in NN Strategy Branche 23 / Tak 23

Are you investing in Branche 23 / Tak 23 funds within your NN Strategy contract?
If so, you can consider the following options for managing your investment.

Your insurance adviser can sit down with you to come up with a balanced plan.

Request to switch:

  • Free of charge 1x per calendar year1; then: 0.5% of the amount transferred.

Automatic switch once a reserve of 10,000 euros has been accrued

With this option, you can automatically secure your investment or reduce its dynamism.
Drip Feed is free of charge.
All other automatic switches cost 0.5% of the amount transferred.

  • Drip Feed: after a one-off deposit into one of the three chosen investment funds (the source fund is NN JPMorgan euro liquidity fund or NN GS Euro Bond fund or NN GS Patrimonial Defensive fund), amounts are automatically transferred to a maximum of 10 Branch 23 life insurance investment funds (target funds) selected by the policyholder. These transfers take place at the frequency chosen by the policyholder (per month, quarter, semester, year).

     The amount transferred from the source fund must be at least €150, with a minimum of 5% for each target fund selected.

  • Dynamic Stop Loss: limits your losses. You can specify a percentage loss in value for each of your Branche 23 / Tak 23 funds: no less than 5%, no more than 50%, and 1% per tranche.
    If your specified value-loss limit is reached then the balance of that fund will be transferred to our Branche 23 / Tak 23 monetary fund – the NN Liquidity Fund.
  • Automatic rebalancing: ensures that your investment always reflects your original choice. If the value of one of your chosen funds deviates from your chosen distribution by at least 5% then a transfer will be made in order to return to the original distribution.
    For example: You opt to invest 25% of your assets in each of 4 different funds (giving a total of 100%). One of these funds performs significantly better than the others, thereby shifting the distribution to 40%, 20%, 20%, 20%. NN will then sell units in the fund representing 40% of your assets and buy more in the other funds in order to restore the 25% distribution.

Important documents

It is necessary to read the Essential Information Document & Document Other Pre-contractual Information before purchasing, subscribing, accepting, signing or opening an NN Strategy contract;
You will find the pre-contractual documents that apply prior to 14th January 2020 under legal documents.

Any other questions? Your broker will be happy to advise you.

doc

NN Strategy niet-fiscaal :  Beheersreglement inclusief essentiële informatiedocument

 

Download

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Document met aanvullende precontractuele informatie - Algemeen (vanaf 01/03/2022)

Download

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Algemene voorwaarden NN Strategy niet-fiscaal (geldig van 01/03/2022)

 

Download

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Footnotes

  1. Branch 23: the capital and return are not guaranteed when investing in Branch 23 life insurance. The risk is fully borne by the policyholder. Your return depends on the evolution of the value of the underlying funds. There is no right to profit sharing.
  2. NN Strategy is a life insurance product that consists of investments with investment funds (Branche 23 / Tak 23) without a guaranteed lump sum. For more information, read the Key Information Document for NN Strategy life insurance on www.nn.be. Applicable law: Belgian law Period: at least 5 maximum age at enddate of 120 years. Before subscribing to the NN Strategy product, customers are advised to read the documentation on this specific product (the Key Information Document, General Terms and Conditions, Management regulation and Document with additional precontractual information-general available on the website www.nn.be) and to verify whether the product is in line with their knowledge and experience with regard to this type of financial product, their financial situation, their risk profile and their investment objectives.
  3. If you have any complaints about your NN contracts, please get in touch with:
    - NN, Quality Care Center, Avenue Fonsnylaan 38, B-1060 Brussels, klachten@nn.be in the first instance;
    - or with the Consumer Ombudsman Service at Ombudsman van de verzekeringen, Square de Meeûssquare 35, B-1000 Brussels, tel: +32 (0)2 547 58 71, fax: +32 (02) 547 59 75, info@ombudsman.as, www.ombudsman.as a last resort.
  4. These options are not available within tax-beneficial contracts.
Your unique life deserves a personal approach. That is why we are happy to help you find an independent broker in your area