Traditional solutions are out.

Real estate no longer offers the same capital gains and returns as it once did.

Opening a savings account for your grandchildren has all but lost its appeal.

The stock market track records, demonstrates long-term performance like no other.

The solution is simple. Count on the support and investment strategy of experts with proven track records.



I want to help my grandchildren financially

Give them a good start in working life
Like many Belgians, you want to save for the benefit of your children or grandchildren and you open a savings account by habit. Nevertheless, when you look at the returns offered by a savings account, you can see that investing part of your savings in the stock market for the medium or long term makes sense and is part 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 know nothing about the stock market!

But I hear it would be one of the right things to do
A good private banker must specifically help his clients understand the world of the stock market, as numerous studies have demonstrated that, historically, the global stock markets offer the best profitability in the medium and long term. The long-term returns of shares are unequalled, even though, for certain periods, performances can be negative for the short, medium or long term.
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I need someone committed at my side

I want to rely on experts and get a better grasp of the stock market
We 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. We share the same interests and we remain at your side. That’s why we have opted for a transparent method of remuneration for our active management - that is partly linked to the performances we achieve for you.
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''I feel a lot more confident ever since I’ve had experts helping me invest in the stock market''

An, 64 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

Simulate your investments

years



This simulation is based on historical average returns. On short, medium and even long term periods, the market performances can strongly differ from these averages and encounter high volatility.

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 annual return before inflation corresponds to the sum of the real average annual return of shares after inflation (on the basis of US inflation) between 1990 and 2016: 8.15%, and average US inflation between 1900 and 2016: 2.90%
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

If you’re looking for investment solutions to enhance your wealth, 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 the world of investment, nothing is certain. As history has shown, no investment is immune to setbacks. The stock market, the bond market and the housing market have all experienced periods of crisis with major losses of value.

The world is in a perpetual state of change. Some changes are slow, while others are fast; some are structural and some are temporary, but all bring with them risks and opportunities. Currently, so-called ‘low-risk’ assets offer extremely low returns. Did you know that savings accounts have been losing an average of 1% in real value for the past three years due to inflation? In other words, slowly but surely, you are losing your purchasing power. These are all signs that diversifying your investments and investing part of your savings in the stock market with a medium- or long-term strategy not only makes good sense, but also ensures effective wealth management. The stock market grants access to companies which are able to take advantage of these opportunities.

At TreeTop Asset Management, we carefully examine each and every investment. Since we were founded, it has been the cool-headed approach, the expertise and the responsiveness of our fund managers that has given us the tools to roll with the punches, thereby transforming crisis into opportunity rather than trauma.

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.

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.