3. Self-directedInvesting,
InvestingwithAdvice,LettheBankInvestForYou
An introduction to investing
What is it and how does it work? 4
You want to invest
What kind of investor are you? 6
Ways of investing
Which way of investing suits you best? 6
Investing independently, without advice
Pursuing your investment goals on a fully independent basis. 8
Investing with advice from the bank
Shaping your investment portfolio with the help of your advisor. 9
Let the Bank Invest For You
Leaving the investment of your capital to an
ABN AMRO portfolio manager. 11
You can always count on us for help
How can you make use of our expertise? 12
Convenience and service assured
We’llprovideallthesupportyouneed. 13
Information and advice
You can reach us any time. 14
4. What is investing?
Investing involves buying and selling investment products.
Investment products are things such as shares and bonds,
which are bought and sold on exchanges. The value of
an investment product depends on various factors,
including supply and demand. If the demand is greater than
the supply, the value of the investment product goes up.
If supply exceeds demand, the value falls.
By investing, you may be able to get a higher return on
your money than you can by saving. However, investing
involves more risk than saving.
Know what you’re investing for
Before you start investing, it’s important to be clear about
a number of things. What are your financial circumstances?
What do you aim to achieve by investing? How much risk
can you afford to take? How much risk are you inclined
to take? How much knowledge and experience of investing
do you have? Every investor should think those questions
over carefully.
Minimise the risk by spreading your investments
Investing always involves some risk. However, you can
keep the risk down by having a varied investment portfolio.
Take your time
Patience is a virtue, especially when it comes to investing.
The period that you invest for is called your investment
horizon. The longer your investment horizon, the bigger the
chance that there will be good years to make up for any
bad ones.
Learn more about investing
If you’d like to learn more about investing, we advise you
to check out the Investors Academy (Beleggers Academy,
justindutch)–ABNAMRO’selectroniclearningenvironment.
The Investors Academy has interactive learning modules
about investing for both new investors and those with
more experience. To see what the Investors Academy can
offer, visit abnamro.nl/academy
When you invest, you incur costs. Details are available
from abnamro.nl/tarievenbeleggen and are also given on
the Fees Information Sheets.
4
A wise investor has a long-term vision and decides in
advance how much risk to take.
anintroduction
toinvesting
6. youwant
toinvest
2. Investing with Advice
Do you prefer to talk to an expert before making your
investment decisions? If you do, the best option is likely
to be Investing with Advice. With this type of investment,
we give you advice that is tailored to the risk profile you’ve
chosen. You can either talk to your advisor or check out our
advice on line. Either way, it’s always entirely up to you
what you do with our advice. Turn to page 9 for details.
3. Let the Bank Invest ForYou
Do you like the idea of investing, but feel unsure about
making your own investment decisions? And do you have
more than €100,000 to invest? In that case, we suggest
that you leave the management of your investment
portfolio to our experienced and professional portfolio
managers. They will take good care of your capital and
actively manage your assets. Active management involves
maintaining a careful balance between the various asset
categories (equities, fixed income, property and liquidities)
within your investment portfolio and adjusting the mix in
line with the latest market developments. In that way, they
ensure that your investments always reflect your chosen
risk profile. Turn to page 11 for details.
Know what kind of investor you are
If you plan to start investing, you should first decide what
kind of investment options investor you are. ABN AMRO
offers several ways investing:
1. Self-directed Investing
2. Investing with Advice
3. Let the Bank Invest For You
Within those three basic approaches, there are various in-
vestment options. We’d be pleased to help you choose a
way of investing that’s right for you. This booklet describes
the investment options that we offer.
Ways of investing
1. Self-directed Investing
Are you at home in the world of investing and do you like
to follow your own route? Do you have experience of
investing and would you like to invest independently, on
your own initiative? Are you happy to manage without
our advice, so that you keep the cost to the minimum?
And do you prefer to keep your investments under your
own control? If so, Self-directed Investing is probably best
for you. With Self-directed Investing, you submit your own
orders. We provide you with extensive and up-to-date
investment information, which you use to play the market
in the way you choose. With Self-directed Investing, you
chart your own course. Turn to page 8 for details.
6
Get a good return by taking opportunities and
managing risks.
7. Costs and returns
When you invest, you incur certain costs. Sometimes your
costs can reduce what you earn considerably. Investing
always involves risk. It is therefore very important to think
carefully about whether investing is something you should
do, or continue doing. For some people, saving is a better
option.
Your investor profile
What risks can you afford to take and what risks are you
inclined to take? To help you consider, visit abnamro.nl/
beleggersprofiel and complete the investor profile
questionnaire. Or call in and go through the questionnaire
with one of our advisors. The questions relate to:
▶▶ Your financial circumstances: your income and capital
▶▶ Your investment goals: what you want to achieve
by investing
▶▶ Your attitude to risk: how much risk you can afford
to take and are inclined to take
▶▶ Your knowledge and experience of investing
From your responses, we can determine your risk profile
and get a picture of your knowledge and experience.
ABN AMRO has a suitable risk profile for every investor.
If investing is the right thing for you, you will be able to
choose from six risk profiles, ranging from very defensive
(low risk) to very offensive (high risk) and everything in
between. Your risk profile is matched to your circumstances
and forms the basis for your investment decisions.
7
Calculate your expected return
If you’d like to know how much money you can expect
to make by investing, or how much you need to invest
in order to get a particular return, visit
abnamro.nl/rendementscalculator Our Return Calculator
provides neutral, optimistic and pessimistic forecasts of
how the value of your investments may develop.
8. Self-directed Investing
Within Self-directed Investing, we offer two options:
Self-directed Investing and Self-directed Investing Plus.
With both variants, you invest independently, without the
advice of an advisor. If you take an interest in investing but
don’t require background and analyses, Self-directed
Investing may be right for you. Or perhaps you feel at
home in the world of investing and like to follow your own
route, checking the indexes and doing your own analyses?
Then Self-directed Investing Plus may be the better option.
With Self-directed Investing Plus, you have access to
My Dealing Room (Mijn Dealingroom): a personalised
digital environment, where you can follow the prices and
perform technical analyses. Using My Dealing Room helps
you to respond quickly to developments in the financial
markets. With Self-directed Investing Plus, you receive
extensive price data and a range of useful tools.
If you choose Self-directed Investing, you pursue
your investment goals on a purely independent basis.
Where and when it suits you.
investingindependently,
withoutadvice
8
Would you like to know more?
For details of Self-directed Investing and the associated
costs and charges, check the Information Sheets or visit
abnamro.nl/beleggen and abnamro.nl/tarievenbeleggen
Make your own investment decisions without help
or advice from an advisor.
9. Investing with Advice
If you opt to receive investment advice from ABN AMRO,
we provide guidance on shaping your investment portfolio,
but leave the final decisions to you. You move towards your
investment goals with us at your side. And you can always
be sure of help and advice from our experienced advisors.
Advice options
Our Investing with Advice service offers you five options.
Depending on how much capital you are available to invest
and how actively involved you want to be, you can choose
from Profile Fund Investing, Fund Advice, Fund Advice Plus,
Investment Advice or Investment Advice Active. With Fund
Advice, Fund Advice Plus and Investment Advice, our advice
can be provided through your advisor or made available on
line. Whether you act on our advice is up to you. Your advisor
will help you make sure that your investments match your
chosen risk profile. The five options of Investing with Advice
are outlined below.
1. Profile Fund Investing
With Profile Fund Investing, the minimum investment is
just € 1.000 or € 50 per month. If you take this option, your
available capital is optimally divided across four asset cate-
gories: equities, fixed income, property and liquidities. The
category mix is aligned with your personal preferences and
circumstances and always matches your risk profile. Six
Profile Funds are available, corresponding to the six risk
profiles.
investingwithadvice
fromthebank
2. Fund Advice or Fund Advice Online
With Fund Advice, you receive personal advice about the
investment funds operated by the best fund houses in the
world’s various economic regions. The advice can be
provided through your advisor or made available on line.
You use the advice you receive to help you choose about
ten investment funds that match your risk profile. Once a
month, we review your investment portfolio to make sure it
is still consistent with the policy that we advise. And, where
appropriate, we send you investment proposals. However,
it is also up to you whether you adjust your portfolio as we
advise. Your advisor will always discuss your investment
portfolio with you at least once a year. We recommend
Fund Advice to clients with more than € 25,000 to invest.
3. Fund Advice Plus or Fund Advice Plus Online
With Fund Advice Plus, you receive personal advice about
the investment funds operated by the best fund houses in
the world’s various economic regions. Fund Advice Plus
works on almost the same principles as Fund Advice.
However, Fund Advice Plus is intended for clients with
€ 100,000 or more to invest in an average of fifteen funds.
With Fund Advice Plus, portfolio reviews are arranged at
least twice a year. Our advice can be provided through
your advisor or made available on line.
9
Work towards your investment goals with
the help of your advisor.
10. 4. Investment Advice or Investment Advice Online
Do you take an interest in the stock market and do you
have € 250,000 or more to invest? If so, Investment Advice
may be the option for you. With guidance from your
advisor, you define your investment strategy and build an
appropriate investment portfolio. Your advisor stays in
regular contact and advises you about attractive shares,
bonds, investment funds or certain other investment
products. Investment portfolio advice can be provided
through your advisor or made available on line.
5. Investment Advice Active
For active and experienced investors who follow the
financial markets and have at least € 100,000 to invest,
we suggest Investment Advice Active. An advisor in the
ABN AMRO dealing room is always on standby to give
you advice. Your advisor will also get in touch personally
at least once a month. The advisor acts as your sparring
partner when it comes to possible share, option or
Turbo trades.
10 Investing with advice from the bank
Would you like to know more?
For details of Investing with Advice and the associated costs and
charges, check the Information Sheets or visit
abnamro.nl/beleggen and abnamro.nl/tarievenbeleggen
11. Let the Bank Invest For You
Do you find it reassuring to know that ABN AMRO is
taking care of your investments? Perhaps you lack the
knowledge needed to invest independently, or you have to
delegate decision-making for professional reasons. If so,
you have the option of letting ABN AMRO invest your
money for you. With Portfolio Management, as it is known,
you leave management of your investment portfolio to our
experienced and expert portfolio managers.
let the bank
invest for you
The role of your portfolio manager
If you choose Portfolio Management, a reliable ABN AMRO
portfolio manager handles the investment of your capital,
taking account of your personal circumstances, investment
goals and attitude to risk. Your portfolio manager reacts to
market developments as they occur and provides you with
feedback on the performance of your investments. If ever
you need help or information between the scheduled
updates, your advisor is only a call or an e-mail away.
Would you like to know more?
For details of Let the Bank Invest For You and the
associated costs and charges, check the Information
Sheets or visit abnamro.nl/beleggen and
abnamro.nl/tarievenbeleggen
11
Leave the investment of your capital to an experienced
and reliable portfolio manager.
12. Comprehensive support service
We provide various forms of support to help you invest
successfully. Use whichever forms suit you, whenever you
wish. As an ABN AMRO investor, you can always count
on us.
Hone your investment skills with the Investors
Academy
If you’d like to test your knowledge or learn more about
investing, why not try the learning modules in our
Investors Academy? The Academy is free to use and you
can find it at abnamro.nl/academy The modules are all
interactive and are regularly updated and extended.
Investment seminars
We regularly organise seminars on investing. You can take
part in them on location or on line. The seminars involve
one-hour presentations, in which our specialists cover a
variety of investment themes. And, of course, you have
the opportunity to ask any questions you may have.
An excellent, modern way of boosting your knowledge.
youcanalways
countonusforhelp
Live investment data
All the latest stock market data are permanently available
on abnamro.nl/beurstrends. Everything you need to know
about stock market reports, updates to investment opinions
and developments in the performance of investment funds
are presented on screen as soon as they become available.
12
Investing is about your money. We are therefore committed
to giving you all the information and advice you need.
13. Lots of ways to stay in touch
We make investing easier by placing extensive information
on our website, providing support through an extensive
network of branches and giving you access to our
Investment Line. So you can interact with us through the
channel that suits you. And, whichever form of contact you
choose, you can be sure of excellent service. Our website
has won numerous accolades for being easy to use and
giving the information that visitors want. But the greatest
compliment we can ever receive is the compliment you
pay us when you choose to invest with us.
The next step
Are you interested in investing and would you like to talk
to an advisor about getting started? Are you already an
investor, but thinking of changing the way you invest?
Are you ready to start investing now, or do you need a
second opinion about your existing investment portfolio?
Feel free to contact us for an appointment any time, via
any of the following routes:
▶▶ Visit abnamro.nl/beleggen
▶▶ Drop by one of our branches
▶▶ Call the Investment Line (0900 - 9215* from inside
the Netherlands).
▶▶ Make an appointment with one of our advisors
See abnamro.nl/contact for more information.
convenienceand
serviceassured
13
When you invest with ABN AMRO, all the experience
of a consulting bank is at your disposal.
14. Advice
If you have questions or need advice about the different
ways of investing and investment options, please visit one
of our branches. Or call 0900 - 9215* (from within the
Netherlands) – lines are open:
▶▶ Monday to Friday from 8am to 10pm; and
▶▶ Saturday from 9am to 5.30pm.
* Call charges: for this call you pay your usual call charges set by your telephone provider.
information
andadvice
14
There are lots of ways to reach ABN AMRO,
24 hours a day.
Internet
Visit abnamro.nl/beleggen for detailed information about
ways of investing and investment options.
15. 15
General Disclaimer
The information provided in this document has been drafted by ABN AMRO Bank N.V.
and is intended as general information and is not oriented to your personal situation.
The information may therefore not expressly be regarded as a recommendation or as
a proposal or offer to 1) buy or trade investment products and/or 2) procure investment
services nor as investment advice. Decisions made on the basis of the information in
this document are your own responsibility and at your own risk.
The information on and conditions applicable to ABN AMRO-offered investment
products and ABN AMRO investment services can be found in the ABN AMRO
Investment Conditions (Voorwaarden Beleggen ABN AMRO) which are available on
abnamro.nl/beleggen
About ABN AMRO
ABN AMRO Bank N.V. has its registered office at Gustav Mahlerlaan 10, 1082 PP
Amsterdam (the Netherlands). Tel.: 0900 - 0024*. Internet: abnamro.nl
ABN AMRO Bank N.V. holds a banking licence from De Nederlandsche Bank N.V. (the
Dutch central bank) and is included in the register of the Autoriteit Financiële Markten
(AFM - Authority for the Financial Markets) under number 12000004. ABN AMRO Bank N.V.
is regulated by the European Central Bank (ECB). ABN AMRO Bank N.V. is entered in
the Trade Register of the Amsterdam Chamber of Commerce under number 34334259.
The VAT identification number of ABN AMRO Bank N.V. is NL8206.46.660B01.
US Securities Law Disclaimer
ABN AMRO Bank N.V. (‘ABN AMRO’) is not a registered broker-dealer under the U.S.
Securities Exchange Act of 1934, as amended (the ‘1934 Act’) and under applicable
state laws in the United States. In addition, ABN AMRO is not a registered investment
adviser under the U.S. Investment Advisers Act of 1940, as amended (the ‘Advisers Act’
and together with the 1934 Act, the ‘Acts’), and under applicable state laws in the
United States. Accordingly, absent specific exemption under the Acts, any brokerage
and investment advisory services provided by ABN AMRO, including (without limitation)
the investment products and investment services described herein are not intended for
U.S. persons. Neither this document, nor any copy thereof may be sent to or taken into
the United States or distributed in the United States or to a US person.
Without limiting the generality of the foregoing, the offering, sale and/or distribution of
the investment products or investment services described herein is not intended in any
jurisdiction to any person to whom it is unlawful to make such an offer, sale and/or
distribution. Persons into whose possession this document or any copy thereof may
come, must inform themselves about, and observe, any legal restrictions on the
distribution of this document and the offering, sale and/or distribution of the investment
products and investment services described herein. ABN AMRO cannot be held
responsible for any damages or losses that occur from transactions and/or services in
defiance with the restrictions aforementioned.
