The numbers don't lie

Traditional savings accounts are going nowhere fast. And that doesn’t look likely to change anytime soon!

Meanwhile, the stock market has stood the test of time!

Right now, it’s a good idea to spread the risks globally.

There is an alternative. Invest in funds designed by qualified experts.

I’m looking for a solution to put at work the capital from my group insurance policy

I know that a savings account is not anymore the right 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, thus turning crises into an opportunity rather than a drama...
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To invest in the stock market, I consider experience is a must

and I don’t really have this even though I try to stay informed
Unlike traditional advisers, the TreeTop Asset Management managers only have one job - to directly manage the funds you invest in. Full involvement is required to have a chance to benefit from global growth. Thanks to this, TreeTop Asset Management managers have regularly achieved performances above the average for global equities in the last 10, 5 and 3 years.
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I don’t want to spend too much time taking care of my investments

My first concern is to enjoy my pension
Despite the crises, the stock market has proven to be the investment generating the best performance as long as you take a long-term view and are willing to think outside the box. A culture that TreeTop Asset Management develops by seeking out opportunities in areas where companies have a real long-term potential. Our main objective is to maximise your performances. At TreeTop Asset Management, each fund is managed by one single management team. This means that you know exactly who is managing your money and how they are doing it.
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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 came to realise that, with global funds, I can seize more opportunities''

Jean-Yves, 63 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 add diversity to your portfolio, 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.

Investors who look at the average return on shares over the long term will find that it is generally higher than for other asset classes. The advantage of investing in the stock market is therefore undeniable. However, if you look at annual stock market returns, you will see that they are extremely volatile. This high level of volatility is what sometimes puts investors off, causing them to hesitate and often lose the confidence to take the first step.

What we should take away from all this is that, while there is no denying the advantage of investing in the stock market, crises will always be a part of it. It would be a lie to tell you otherwise. The stock market will always have ‘good’ and ‘bad’ years, but nobody can accurately predict which it will be at the start of any given year! A ‘good’ year is not necessarily followed by a ‘bad’ year, and vice versa. With that in mind, the best way to take advantage of the average return on the stock market is this: first of all, invest in the stock market each year – thus making it a long-term investment – and, secondly, invest on a global scale.

Investors who are afraid of the impact of crises on their capital do not necessarily need to steer clear of the stock market. Rather, they should invest a smaller portion of their capital in the stock market, but maintain that investment at all times. They should also try not to seek out the ‘best’ time to buy, as what tends to happen is that they gain confidence (following successive rises that they missed out on) and subsequently sell when the markets have fallen. The stock market certainly has its place in a diversified portfolio, but it requires a long-term vision.

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.