Got queries on our investment products and services?

Frequently asked questions

Got queries on our investment products and services?

Frequently asked questions

Starting to invest

Invest your spare change

Online investing

Saving for your retirement

  • See 'Pension savings plans' under 'Savings'

KBC Brussels Investment Plan

Where can I view my investment plan?

Open 'Investments' and tap 'More' to see your periodic investments.

Where in KBC Brussels Mobile can I set up an investment plan to invest regularly?

Tap 'Investments', then the 'More' tab and 'Periodic investments' to set up a new investment plan in just a few steps.

If you’d like a bit more advice, opt for ‘Mobile investing with advice’ under 'Offer' to get suggestions that fit you.

What is periodic investment?

You invest periodically if you invest set amounts at fixed intervals in savings or investment products.

The risk is spread over time. Each month, a pre-selected amount is invested in the chosen product.

What savings and investment products can I put into my investment plan?

If you open an investment plan using KBC Brussels Mobile, you can only invest in investment funds.

If you’d like to invest in other types of savings or investment products, contact KBC Brussels Live or ask at your branch for more assistance.

Who can I set up an investment plan for in KBC Brussels Mobile?

You can set up an investment plan just for you or for yourself and your partner.

If you want to open a plan for someone else like your grandchild or godchild, contact KBC Brussels Live or ask at your branch for more assistance.

How many investment plans can I set up in KBC Brussels Mobile?

You can set up an unlimited number of investment plans, except spare change investment plans. They’re limited to the number of current accounts you hold in your name or jointly with your spouse.

What does an investment plan cost?

With an investment fund, you invest a fixed amount by standing order in a fund every month. You only pay usual charges for the fund. They are detailed in the product information.

Every time you pay into your plan, you pay entry charges. There are also annual management fees to pay, as the fund invests in stocks and bonds, which need to be actively monitored.

Where do I find confirmation that I have successfully set up my investment plan?

Once your savings account has been opened, we’ll message you as soon as possible to confirm this. Tap ‘Communication’ in KBC Brussels Mobile or ‘Messages’ in KBC Brussels Touch and KBC Brussels Invest to see this message,

which does not contain any legal information or product features. If you wish to save that information, download the PDF files and save them on your device.

Will my investment plan be displayed straightaway?

Yes, as soon as you've set it up, it's shown under 'Investments > More'.

Is there instant access to the fund in which I have invested?

No, processing your details for the fund in which you have invested takes two to three working days. The number of units and the equivalent value can only be viewed after the details have been processed.

Can I change my investment plan or stop it temporarily or entirely?

You can use KBC Brussels Mobile, KBC Brussels Touch or KBC Brussels Invest to change your investment plan. KBC Brussels Mobile lets you do in your investment plan view under 'Manage'.

You can also name your plan and add a photo to personalise it and make it easier to find.

Can I sell units in my investment fund?

Yes, you can, though certain terms and conditions may apply (see the relevant product information for more details). If you need help, call or chat with KBC Brussels Live. Alternatively, make an appointment at your branch.

Can I diversify by investing in another savings or investment product?

No, you can’t do this using KBC Brussels Mobile, but KBC Brussels Live or an adviser at your branch will be happy to help you with this.

Can I adjust the allocation of my existing investment plans?

If you’ve set up an investment plan using KBC Brussels Mobile, the allocation will always be 100% in the suggested fund. In the case of investment plans set up through KBC Brussels Live or your branch, you are unable to adjust the allocation yourself. To do so, contact KBC Brussels Live or your branch.

Spare change investing

What does the KBC Mobile app’s ‘Invest your spare change’ feature do?

Our Mobile app’s ‘Invest your spare change’ feature lets you invest small amounts of money in a balanced investment fund – without any paperwork hassle. The modest amounts invested come from roundups to the nearest euro on everyday transactions on your current account.

Who is spare change investing for

Spare change investing is intended for our personal banking customers aged over 18 who want to start investing in a fun, easy and accessible way.

You can invest spare change using a current account held in your name or one you hold jointly with your spouse. Other types of common account (held jointly with one or more persons other than the one you’re married to) cannot be used for spare change investing.

What's rounded up whan you invest your spare change?

We round up all your everyday purchases and payments from your account to the nearest euro at the end of each day. That includes credit transfers, card payments, standing orders, direct debits and loan repayments.

When don’t we round up transactions on your account to invest your spare change?

We won’t do any rounding up if your account has a negative balance or roundups would cause you to go overdrawn on your account.

How does spare change investing work?

Open the ‘Offer’ menu, scroll down to ‘Savings and investments’ and tap ‘Show more’ to see the ‘Invest your spare change’ feature.

Where do you find products you’ve bought?

Go to ‘Investments’ to track your investments. Amounts you pay into your investment plan are shown under ‘Investments’ a few days after you make your deposit.

What does spare change investing cost?

You only pay usual charges for the fund (see the product information for details).

Are details of the fund you invest in shown right away?

No, processing your details for the fund in which you invest takes two to three working days. The number of units and the equivalent value can only be viewed after the details have been processed.

Is your investment plan shown straightaway?

Yes, as soon as you’ve set it up, it’s shown under ‘Investments > Moreְ’

Can you temporarily stop investing your spare change?

- Yes, you can. Tap ‘Investments > More > Periodic investments > Invest your spare change > Manage tab > Pause’ to do so.

How do you start investing your spare change again after temporarily stopping?

Tap ‘Investments > More > Periodic investments > Invest your spare change > Manage tab > Restart’ to do this.

How do you permanently stop investing your spare change?

If you want to stop investing your spare change for good, contact KBC Brussels Live for more help.

Can you sell units in your investment fund?

Yes, you can, though certain terms and conditions may apply (see the relevant product information for more details). If you need help, contact KBC Brussels Live.

How do you link an automatic investment order to your spare change investment plan?

You can also top up your roundups with an automatic investment order for any amount you like.

Tap ‘Investments > More > Periodic investments > Invest your spare change > More tab > plus sign (+) next to ‘Automatic payments’ to do this.

 

Mobile investing with advice

What is mobile investing with advice?

'Mobile investing with advice' gives you investment and savings advice that fits you and your budget. Invest from as little as 50 euros per month.

We make suggestions to you once we’ve gotten to know you better by asking you a few questions.

You then enter how much you want to invest every month to potentially earn more from your money than a standard savings account. Depending on the amount you specify and your answers to our questions, we suggest whether you should invest your savings by:

  • Automatic savings order
  • Pension savings plan (if you don’t already have one)
  • Investment plan

Once you're happy with our suggestion or changes you make, you can immediately set up your automatic savings order, pension savings plan and/or investment plan.

Who is ‘Mobile investing with advice’ for?

This feature is intended for beginner investors who aren't that familiar with investing basics, but want to learn them and get investment advice.

Where do I find ‘Mobile investing with advice’?

Go to 'Offer > Savings and investments > Show more' to find 'Mobile investing with advice' and start using it. If you want to start saving for your retirement and investing, you can also go to 'Investments > Do you want to do more than just save > I'm not sure. I would like some help'.

What does a proposal contain?

We base what we suggest to you on the amount you’re capable of saving every month and the type of investor you are.

Depending on the amount you specify and your answers to our questions, we suggest whether you should invest your savings by:

  • Automatic savings order
  • Pension savings plan (if you don’t already have one)
  • Investment plan

What is a risk profile?

Whenever we provide you with investment advice we always put your interests first. To give appropriate advice, we have to know not only our investment products but also you as customer. We ask you a few simple questions to determine what kind of investor you are,

including finding out your:

  • 'Playing field'
  • Financial situation
  • Investing knowledge and experience
  • Ability to spare some of your money over time
  • Investment aims

We use your answers to these questions to set your risk profile, which is the basis for investment advice that fits you.

What is an investment plan and what do I invest in?

See ‘What is periodic investing?’.

Can I change proposals suggested to me?

You can change the amount you want to save every month and how that’s spread over the products we suggest to you. You can also remove products.

Can I see proposals again?

You may be able to view a proposal again, depending on where you were when you left off.

If you still need to complete a step, we recommend doing so before leaving a proposal so you can easily pick up where you left off.

Can I ask KBC Brussels to help finalise my proposal?

You can contact KBC Brussels Live during the process to get help completing your proposal.

Where do I find products I’ve bought?

Track your investments under 'Investments', including the ability to:
  • Check whether you’ve transferred money to your savings account under ‘Savings’
  • View amounts you pay into your pension savings plan under ‘Tax-advantaged savings and investments’ a few days after you make your deposit
  • See amounts you pay into your investment plan under ‘Investments’ a few days after you make your deposit

Can I still change products I’ve bought?

  • You can change, remove or set up a new savings order to your savings account.
  • Your investment plans are also flexible. You can raise or lower the amount, temporarily stop the plan and start it up again, at any time. Change monthly deposits yourself using KBC Brussels Touch. For other changes, call or chat with KBC Brussels Live or make an appointment at your branch.
  • If you’d like to change your pension savings plan, we’ll be happy to help you. Call or chat with KBC Brussels Live or make an appointment at your branch.
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