Facts are there

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A savings account simply isn’t enough – on top of it, you’ll lose out due to inflation.

The earlier you invest, the less effort you need to put in.

Nowadays, investing everything in one place is a risky move.

There is analternative. Invest in solutions designed by qualified experts.

I know I need to build up my pension now

and a savings account is no longer a good option
Savings accounts have been losing an average of 1% of their real value due to inflation for years. In other words, your purchasing power is gradually falling. This tells us that investing part of your savings in the stock market for the medium or long term makes sense and is one of the component of a good management of your assets. At TreeTop Asset Management, we study each investment thoroughly. Since our creation, the composure, expertise and analytical insight of our managers have enabled us to stay the course, turning crises into an opportunity, rather than a drama...
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I have limited means to invest

Don’t you need to be rich before considering the stock market?
Invest at your own pace, even if it’s 250 euros! And if you do have an amount to invest on the long term, spread your investment over time instead of investing everything in one go. We also recommend to only invest money you will not be needing in the near future. Investing in shares must be done with a long term vision, to limit the potential impact of market volatility on your investments.
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An online solution is essential for me

I’m not interested in spending hours in discussions!
It’s very simple to invest with TreeTop Online. Through your investor profile, you set objectives and invest on-line. This investment platform is designed to give you an intuitive user experience, to buy, manage and track the evolution of your fund, without compromising on thoroughness and security.
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Simulate your investments

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This simulation should be considered for information purposes only, and is based on constant linear hypothesis, as, for example, average annualized returns and inflation. On short, medium and even long term periods, the market performances and inflation rate can strongly differ from these averages and encounter high volatility. Find out more

In this simulator, we have set and used an allocation between stocks and bonds for each risk profile. 30/70 for a conservative profile, 60/40 for a balanced profile, 80/20 for a growth profile and 100/0 for a strong growth profile.

In the simulator we have replaced the historical yearly average return of bonds by the average of the 10-year OLO rates on 1st January of the current year. The 10-year OLO rates are regularly used as an indicator of the current level of bond rates.

(1) Average of the 10-year OLO rates on January 1st of each year (04/01/2017): 0.73%
(2) (3) The average annualized return before inflation is of 8.15% between 1900 and 2016, corresponds to the real average annualized return of shares after inflation (on the basis of US inflation) between 1900 and 2016: 5.10%, and to the average US inflation between 1900 and 2016: 2.90%
The real average annualized return after inflation of 5.1% from 1900 to 2016, used to determine the average annualized return of shares before inflation in our simulation is based on the "World globally diversified" section of the following source: Elroy Dimson, Paul Marsh and Mike Staunton, Credit Suisse Global Investment Returns Yearbook 2017 - http://publications.credit-suisse.com/tasks/render/file/index.cfm?fileid=80603618-9230-382D-C51FF70FAF7A4A65 The simulator is a TreeTop initiative where Elroy Dimson, Paul Marsh and Mike Staunton are not involved.
Past performance is no guarantee of future performance.

''I found out I could invest in off the shelf solutions that were matching my investment targets''

Paul, 30 years old

Why choose TreeTop?

  • Award-winning first-class expertise
  • Transparency, conviction and commitment
  • A vision focused on the long term
  • A client service and an online investment solution designed to suit a wide array of investor profiles
Find out more

If you’re looking for investment solutions to help secure your retirement, you’ve come to the right place.

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Frequently-asked questions

Investment funds offer three major advantages, namely diversification, simplicity and access to professional management.

Diversification – This is one of the cornerstones of portfolio management. It has consistently proven to be an effective method of risk management by spreading the sources of return and risk across multiple asset types. However, holding a large number of securities is not a guarantee of effective risk management. A well-diversified portfolio should consist of assets which offer relatively independent performance. In order to achieve a well-diversified equity portfolio, you need to purchase shares in a variety of economic sectors and regions. For the individual investor, managing a well-diversified portfolio can become quite costly and requires relatively significant capital.

Simplicity – When you buy even just one investment fund, from €250 invested, you immediately gain access to a well-diversified portfolio with regular reviews of its allocation in order to ensure goals are met and investment policies are followed.

Professional management – When you buy an investment fund, you are choosing a professional portfolio manager. This manager will use the money you invest to buy and sell securities based on careful research, all the while ensuring healthy diversification of the portfolio they are managing. In most cases, members of the general public have neither the time nor the expertise necessary for such intensive research and analysis, which are vital when choosing the right investment.

We would advise that you invest only the money you won’t be needing in the next few years. Equity investment should be focused on a long-term vision in order to limit the potential impact of market volatility on the money you invest.

At TreeTop Asset Management, we believe there is no such thing as a good or bad time to invest in the stock market. Forecasting and identifying market outliers is a risky affair. An effective way to invest in the stock market is simply to spread your investments over time by regularly buying shares in global funds during both market upswings and market slumps.

In order to maximise the chances of benefiting from the potential of your investments in the stock market, it is best to adopt a long-term vision. The Key Investor Information Document (KIID) of each fund managed/distributed by TreeTop indicates a minimum recommended investment horizon and can be found on our website. However, you are of course free to redeem the shares you hold in funds managed/distributed by TreeTop at any time. In this case, you would sell back your shares to the fund at the net asset value (NAV) calculated following receipt by the fund of your redemption instruction. The proceeds from the securities redemption, less taxes and any fees owed, would then be transferred to your cash account within three business days.

Visit our website for daily updates on the NAV of each fund managed/distributed by TreeTop.

Please note, however, that the funds may temporarily suspend redemptions under exceptional circumstances, as specified in the prospectus.

There are two types of fees: fees applicable to the TreeTop Online platform and fees applicable to funds.

Fees applicable to the TreeTop Online platform

  • Brokerage fee of €9 per transaction carried out via TreeTop Online

No brokerage fees are charged for investment plans

  • No custodian fees
     
  • No account management fees from €10,000 invested in the funds managed/distributed by TreeTop
     
    If less than €10,000 invested: €12.50/quarter
     
  • There are no entry fees for subscription to actively managed funds through TreeTop Online or through a discretionary management mandate, investment advice mandate or reception and transmission of client orders mandate signed with TreeTop Asset Management Belgium

    For index funds, only the 0,1% entry fee charged by the fund is applicable.

Fees applicable to funds

Fees are charged for the everyday management of the funds managed/distributed by TreeTop. These fees are presented in the corresponding prospectus and an estimate is provided in the Key Investor Information Document (KIID). The KIIDs of the funds managed/distributed by TreeTop can be found on our website.

Please note that these fees are deducted from the assets of the funds managed/distributed by TreeTop and not from your TreeTop Online account.

The generic terms ‘fund’ or ‘investment fund’ refer to an entity which pools the savings of multiple investors and rely on professional investment managers to manage these assets based on a predefined strategy.

Such funds currently represent hugely popular investment products all around the world. They offer both professional and less experienced savers and investors an array of benefits, including diversification, simplicity and access to professional management. Investment funds are usually regulated, and each of the investment funds available on TreeTop Online fulfils all requirements of the EU Directive on Undertakings for Collective Investment in Transferable Securities (UCITS Directive). The directive imposes strict rules  to protect investors, namely by regulating portfolio diversification and placing restrictions on borrowing. Furtermore, TreeTop Asset Management does not hold the SICAV’s assets itself, but rather uses an independent custodian bank to ensure their safeguarding. Their financial statements are audited by an independent auditor.

A SICAV (Société d’Investissement à Capital Variable) is a particular type of investment fund. It differs from other funds in that it is a company whose corporate purpose (its goal) is to raise capital and manage it collectively for the benefit of its shareholders. When you invest in a SICAV, you effectively purchase shares in that company and benefit from all the rights of a shareholder, such as attending and voting at the SICAV’s General Meetings. Its capital is described as ‘variable’ because the SICAV issues new shares when you invest in the fund and buys them back when you redeem your shares. As you can see, it is therefore not your intermediary who purchases your shares, but rather the SICAV itself, which will generally pay their net asset value and cancel them. All of the funds available on TreeTop Online are SICAVs.