FAQ

• What is ADVICE?
  
• How can I access ADVICE?
  
• How much does online ADVICE cost?
  
• For which markets and shares can I receive advice?
  
• On what does Keytrade Bank base its recommendations?
  
• What is the “allocation model” and what is it made of?
  
• Why doesn’t the “allocation model” contain individual shares?
  
• Is the “allocation model” regularly updated?
  
• Will all of my shares within my portfolio be followed?
  
• What sort of recommendations does ADVICE give?
  
• Can I use ADVICE for virtual portfolios?
  
• Motivation and quantity are always specified for all buy advices. Why?
  
• How can I modify my investment profile?
  
• How often is my portfolio verified by ADVICE?
  
• Is ADVICE fully automatic?
  
• Is the quality of the recommendations as good as the recommendations I would get from a financial adviser?
  

  A good financial adviser has a very difficult task: he has to follow the financial stock markets closely, he has to verify your personal portfolio and he has to take into account your investment profile for all the recommendations he gives.
  The financial adviser does not do all this for you alone, but for hundred other clients. A hell of a job, which causes a lot of stress...
  
  And where does the financial adviser get his advice? On what will the financial adviser base himself to recommend a share? He will probably use several objective criteria (earnings, dividend, etc ...), but he will be also inevitably influenced by his own, often-subjective appreciation.
  
  With ADVICE Keytrade Bank offers structured and objective investment recommendations. By the intelligent use of IT strength mixed with the input and supervision of our analysts the better of two worlds can be reached.
  
  The advantages ADVICE are:

  • ADVICE covers about 5,000 shares. A traditionnal financial adviser has to, for practical reasons; limit himself to maximum hundred shares. Potentially interesting shares will inevitably escape from this screening.
  • All 5,000 shares covered by ADVICE will be daily screened and weighed. Negative evolutions will immediately be noticed, and will lead if necessary to a sell advice. Positive scores or evolutions will immediately be considered as potential buy candidates. A similar fast and accurate daily check is simply impossible for a financial adviser.
  • The selection of buy and sell advices occur in an objective way, taking into account not less than 37 criteria.
  • Your portfolio will be monitored 24 hours a day. A financial adviser can verify your portfolio only a few times per month.
  • With ADVICE, the often-subjective appreciation of a share or a portfolio will be replaced by an objective mathematical appreciation, based on several relevant criteria.
  • Keytrade Bank bases itself for its selection- and scoring model on data coming from leading, specialized companies such as Reuters and Standard & Poors.
  • If you carry out transactions, you will only pay the low, fixed Keytrade Bank standard tariff, nothing more. Most of the financial advisers ask besides a fixed annual compensation (which can vary from 0.20% to 1.00% of your portfolio), a transaction fee of 0.50% to 1.20% per executed order.

• I followed the recommendations closely, but my global portfolio has diminished in value!
  
• What happens if I do not follow the advices?
  
• When will I receive my first recommendation?
  
• I have Royal Dutch shares. When I screen this share, ADVICE indicates that Royal Dutch is not recommended as worthy to buy (Hold). Do I have to sell this share then?