Beleggen kan ook makkelijk Paulo Varela Nunes BlackRock November 2015
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Agenda
1 2 3 4
KORT VOORSTELLEN
SPAREN
BELEGGEN
GEMAK
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Agenda
1
KORT VOORSTELLEN
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BlackRock
Bron: BlackRock december 2014. RSM-2525
4
2
SPAREN
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Wat doen Nederlanders met hun geld?
51%
Sparen
Ich möchte Geld sparen
28 %
Hypotheek afbetalen Vermogensbehoud
24 %
Vermogensgroei
24 %
Oudedagsvoorziening
18 %
Bron: BlackRock Investor Pulse Survey. Enquête gehouden onder 1000 Nederlander tussen augustus en september 2014.
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Zeker dat doel gehaald gaat worden
80
%
Vermogensbehoud
69
%
Hypotheek afbetalen
63 % Sparen
63 %
56
Vermogensgroei
Oudedagsvoorziening
Maar klopt dat wel? Bron: BlackRock Investor Pulse Survey. Enquête gehouden onder 1000 Nederlander tussen augustus en september 2014.
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%
De keerzijde van de zekerheid van sparen Inflatie en spaarrendement
koopkrachtverlies
toename koopkracht
Het spaarrendement daalt al sinds 1973 Als de inflatie hoger is dan het spaarrendement wordt uw geld minder waard Bron: ING bank, Het spaarrendement is het uitgekeerde spaarbedrag op de uitstaande spaartegoeden RSM-2525
Het liefst zou men veranderen, maar… Bijna twee keer zoveel op de spaarrekening als men nodig acht Spaargeld: 78% Aandelen: 12% Obligaties: 3% Vastgoed: 2% Alternatives: 2% Overig: 3%
Ruim drie kwart gaat meer of blijft net zoveel sparen
45
Gaat meer sparen
31 %
Gelijkhouden
Bron: BlackRock Investor Pulse Survey. Enquête gehouden onder 1000 Nederlander tussen augustus en september 2014. RSM-2525
%
3
BELEGGEN
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Lange termijn
€69.621
€ 61.772
€ 26,270
Europese aandelen
Wereldwijde Staatsobligaties
Indicatieve Spaarrente
Bron: BlackRock, Thomson Reuters Datastream, Gegevens van 31 december 1987 t/m 31 december 2014. Aandelen zijn vertegenwoordigd door de MSCI Europe Index (totaalrendement), obligaties door de Citigroup World Government Bond Europe Index (totaalrendement), spaarrekening door de Duitse 3-maandelijkse interbank-leenrente. Het is niet mogelijk rechtstreeks in een index te beleggen. Deze informatie is uitsluitend bedoeld ter illustratie en is niet bedoeld om het rendement van een bepaalde belegging weer te geven. Alle rendementen in euro’s, gebaseerd op de maandelijkse slotkoersen van de respectievelijke indices. RSM-2525
Emotie is een slechte raadgever De emotiecyclus van beleggers Koersen – dure markt Neerwaarts risico is hoog
Koersen – goedkope markt Opwaarts potentieel is hoog RSM-2525
Gespreid beleggen Rendement van verschillende beleggingscategorieën van de afgelopen 10 jaar
Bron: BlackRock; Thomson Reuters Datastream. Gegevens per 31 december 2014. Uitsluitend bedoeld ter informatie. Het is niet mogelijk direct in een index te beleggen. De getoonde informatie is niet bedoeld om het rendement van een specifieke belegging weer te geven. In het verleden behaalde resultaten bieden geen garantie voor toekomstig rendement.
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4
GEMAK
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Beleggingscategorieën
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Multi asset
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BGF Global Allocation Fund • Eén van de meest gediversifieerde gemengde fondsen ter wereld met:
> 700 posities in > 40 landen en > 30 munten (niet gebonden aan een benchmark) • Belegt wereldwijd en flexibel in zowel traditionele aandelen en obligaties, maar ook in vastgoed, high yield en converteerbare obligaties, grondstoffen, goud, …
gespreid over alle regio’s, sectoren en marktkapitalisaties • Een voorzichtige, consistente « value » beleggingsbenadering op lange termijn:
goedkoop kopen en duur verkopen (geen markttiming)
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Portefeuillesamenstelling op 30/09/15 Spreiding (% van netto-activa*)
Cash(equivalenten); 23%
Grondstoffen; 2%
Aandelen; 55%
Obligaties; 20%
Per 30September 2015. Bron: BlackRock. De positionering van de portefeuille kan wijzigen en is flexibel. De getoonde activa allocatie is getoond als % van de totale portefeuille. Deze allocatie biedt geen garantie voor het behalen van rendementen of vermijden van kapitaalverlies. Referentie-index van het fonds: 36% S&P 500, 24% FTSE World (hors USA), 24% BofaML 5Year US Treasury Bonds, 16% Citigroup Non-USD Gov’t Bonds.
* % of net assets represents the Fund’s exposure based on the economic value of securities; adjusted for futures, options, swaps and convertible bonds. RSM-2525
BGF Global Allocation Fund in praktijk Portfeuillesamenstelling 100%
80%
60%
40%
20%
North American Stocks Emerging Market Stocks U.S. Credit
Developed European Stocks Commodity-Related* Non-U.S. Sovereign Debt
Dev. Asia ex-Japan Stocks U.S. Treasuries & Agencies Non-U.S. Credit
Bron: BlackRock. Ter illustratie. Resultaten uit het verleden zijn geen garantie voor de toekomst. Per September 2015. RSM-2525
Japanese Stocks U.S. TIPS Cash Equivalents
Mar-15
Mar-14
Mar-13
Mar-12
Mar-11
Mar-10
Mar-09
Mar-08
Mar-07
Mar-06
Mar-05
Mar-04
Mar-03
Mar-02
Mar-01
Mar-00
Mar-99
Mar-98
Mar-97
0%
Rendement 18,62%
20% 17,00%
16,26%
15%
9,10% 10,00%
10,63% 9,73%
10,18%
10%
8,77%
6,90%
9,10%
6,00%
4,14%
5%
2,75%
2,75%
1,95%
1,75%
1,35%
0% -0,50% -5% -10% -12,00% BGF Global Allocation (D2) Referentiebenchmark* AEX Spaarrente
2011 -0,50% 4,14% -12,00% 2,75%
2012 6,90% 9,10% 10,00% 2,75%
2013 10,18% 8,77% 17,00% 1,95%
2014 16,26% 18,62% 6,00% 1,75%
2015 YTD 9,73% 10,63% 9,10% 1,35%
Behaalde rendementen in het verleden bieden geen garantie voor de toekomst en rendement mag niet de enige motivatie zijn om een fonds te overwegen. Bron: BlackRock, Lipper, Basis voor de berekeningen: Netto-Inventariswaarde. Rendementen obv BGF Global Allocation Fund D2 EUR per 30 oktober 2015. * Referentie-index 36% S&P 500, 24% FTSE World (hors USA), 24% Bofa-ML 5Year US Treasury Bonds, 16% Citigroup Non-USD Gov’t Bonds.
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Samenvatting
KIJK VERDER DAN SPAREN
BELEG GESPREID
GA VOOR GEMAK: BLACKROCK GLOBAL ALLOCATION FUND
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Disclaimer Netherlands Issue: Issued in the Netherlands by the Amsterdam branch office of BlackRock Investment Management (UK) Limited: Amstelplein 1, 1096 HA
Amsterdam, Tel: 020 - 549 5200. BGF and its sub funds are listed in the register as defined in section 1:107 FMSA. Where a risk indicator is shown on this document it refers to the relevant share class of the Fund mentioned, please verify the risk of your share class on the Key Investor Information Document (essentiële beleggersinformatie; "EBI"). Higher or lower risk may apply to the other share classes of the Fund. BlackRock Global Funds ("BGF") is a UCITS (icbe) as defined in section 1:1 Financial Markets Supervision Act (Wet op het financieel toezicht; "FMSA"). BGF and its sub funds are listed in the register as defined in section 1:107 FMSA. Please refer to the EBI for further information about BGF and its sub funds. The prospectus and EBI of BGF and its sub funds are available on BlackRock's website www.blackrock.nl. The risk indicator shown on this document refers to the A share class of the Fund. Higher or lower risk may apply to the other share classes of the Fund. BlackRock Global Funds ("BGF") is a UCITS (icbe) as defined in section 1:1 Financial Markets Supervision Act (Wet op het financieel toezicht; "FMSA"). BGF and its sub funds are listed in the register as defined in section 1:107 FMSA. Please refer to the Key Investor Information Document (essentiële beleggersinformatie; "EBI") for further information about BGF and its sub funds. The prospectus and EBI of BGF and its sub funds are available on BlackRock's website www.blackrock.nl. Issued in the Netherlands by the Amsterdam branch office of BlackRock Investment Management (UK) Limited: Amstelplein 1, 1096 HA Amsterdam, Tel: 020 - 549 5200. All financial investments contain a certain risk. The value of BGF and its sub funds may greatly fluctuate as a result of the investment policy and your initial investment is not guaranteed.Diversification and asset allocation may not protect you fully against market risk. All financial investments involve an
element of risk. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. Past performance is not a guide to future performance and should not be the sole factor of consideration when selecting a product. The fund invests a large portion of assets which are denominated in other currencies; hence changes in the relevant exchange rate will affect the value of the investment. The fund may invest in smaller company shares which can be more unpredictable and less liquid than larger company shares.Morningstar Rating: © 2015 Morningstar. All Rights Reserved. The information, data, analyses, and opinions contained herein (1) include the
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proprietary information of Morningstar, (2) may not be copied or redistributed, (3) do not constitute investment advice offered by Morningstar, (4) are provided solely for informational purposes and therefore are not an offer to buy or sell a security, and (5) are not warranted to be correct, complete, or accurate. Morningstar shall not be responsible for any trading decisions, damages, or other losses resulting from, or related to, this information, data, analyses, or opinions or their use. The Morningstar Analyst Rating™ is subjective in nature and reflects Morningstar’s current expectations of future events/behaviour as they relate to a particular fund. Because such events/behaviour may turn out to be different than expected, Morningstar does not guarantee that a fund will perform in line with its Morningstar Analyst Rating. Likewise, the Morningstar Analyst Rating should not be seen as any sort of guarantee or assessment of the creditworthiness of a fund or of its underlying securities and should not be used as the sole basis for making any investment decision.Any research in this document has been procured and may have been acted on by BlackRock for its own purpose. The results of such research are being made available only incidentally. The views expressed do not constitute investment or any other advice and are subject to change. They do not necessarily reflect the views of any company in the BlackRock Group or any part thereof and no assurances are made as to their accuracy. This document is for information purposes only and does not constitute an offer or invitation to anyone to invest in any BlackRock funds and has not been prepared in connection with any such offer. Unless otherwise specified, all information contained in this document is current as at the date on the front page of this presentation.
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Disclaimer BlackRock Global Funds (BGF) is an open-ended investment company established and domiciled in Luxembourg which is available for sale in certain jurisdictions only. BGF is not available for sale in the U.S. or to U.S. persons. Product information concerning BGF should not be published in the U.S. It is recognised under Section 264 of the Financial Services and Markets Act 2000. BlackRock Investment Management (UK) Limited is the UK distributor of BGF. Most of the protections provided by the UK regulatory system, and the compensation under the Financial Services Compensation Scheme, will not be available. A limited range of BGF sub-funds have a reporting fund status A sterling share class that seeks to comply with UK Reporting Fund Status requirements. Subscriptions in BGF are valid only if made on the basis of the current Prospectus, the most recent financial reports and the Key Investor Information Document, which are available on our website. Prospectuses, Key Investor Information Documents and application forms may not be available to investors in certain jurisdictions where the Fund in question has not been authorised.No part of this material may be reproduced, stored in retrieval system or transmitted in any form or by any means, electronic, mechanical, recording or otherwise, without the prior written consent of BlackRock. ©2015 BlackRock, Inc. All Rights reserved. BLACKROCK, BLACKROCK SOLUTIONS, iShares, BUILD ON BLACKROCK, SO WHAT DO I DO WITH MY MONEY and the stylized i logo are registered and unregistered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.
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